Federal (HUD/FHA)
FHA-insured home improvement loans. Up to $25,000 for single-family homes; up to $7,500 unsecured (signature only, no equity needed). Fixed rates, no prepayment penalty. Fills the gap when grants don’t cover everything. Particularly useful for Buffalo’s aging housing stock needing major system work.
No equity required for loans up to $7,500
Deadline: Year-round through FHA-approved lenders
Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.
This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.
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