FHA Title I Property Improvement Loan

About This Program

FHA-insured home improvement loans up to $25,000 for single-family homes, available through HUD-approved lenders. Loans up to $7,500 are unsecured (signature only); larger loans require a lien on the property. Fixed interest rate; no prepayment penalty. No equity requirement for smaller loans. Can be used for any permanent home improvement that adds to the home's basic livability.

Loan — repayment required. No equity needed for loans under $7,500. Rate is market-based.

Key Details

• Must be a homeowner or long-term lessee of the property
• Loans up to $7,500 require only your signature (no collateral)
• Loans over $7,500 must be secured against the property
• Find approved lenders via HUD: 800-CALL-FHA (800-225-5342)
• No income requirement — creditworthiness determines approval

How to Apply

Deadline: Ongoing through approved lenders