FHA Title I Property Improvement Loan

U.S. Department of Housing and Urban Development (HUD) / FHA

Open Home Repair

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

Visit Official Program Page Track this program

800-225-5342

Deadline: Ongoing through approved lenders

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