FHA Title I Home Improvement Loan

About This Program

FHA Title I loans provide government-backed home improvement financing of up to $25,000 for single-family homes, even without home equity or high credit scores. Loans under $7,500 are unsecured (signature only); larger amounts require the home as collateral. Interest rates are fixed and negotiated with the lender. There is no income limit, making this accessible to moderate-income borrowers who don't qualify for equity-based programs.

Loan up to $25,000 (single-family). Fixed rate; 6-month to 20-year terms. No prepayment penalty. Loans under $7,500 unsecured. No income limit. Apply through FHA-approved lenders.

Key Details

• Government-backed loan up to $25,000 for home improvements
• No equity required — useful for newer homeowners or those with limited equity
• Fixed interest rate; 6-month to 20-year terms; no prepayment penalty
• Loans under $7,500 are unsecured (signature loan only)
• No income limit — apply through any FHA-approved lender

How to Apply

Deadline: Year-round — through FHA-approved lenders