FHA Title 1 Home Improvement Loan

About This Program

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

Key Details

• Up to $25,000 for single-family homes
• Up to $7,500 unsecured — no equity or collateral needed
• Fixed interest rates through FHA-approved lenders
• No prepayment penalty
• Stacks with grants to cover full project cost

How to Apply

Deadline: Year-round through FHA-approved lenders