FHA 203(k) Limited (Streamline) Rehabilitation Loan

About This Program

The FHA 203(k) Limited (Streamline) loan allows homeowners to finance up to $35,000 in non-structural rehabilitation costs without the more complex requirements of the Standard 203(k). No HUD consultant is required. Eligible repairs include roofing, windows, HVAC, plumbing, electrical, and cosmetic improvements. Minimum 3.5% down and 580 credit score required.

Maximum Limited 203(k) rehab allowance.

Key Details

• Up to $35,000 in non-structural repairs financed into mortgage
• No HUD consultant required — simpler process than Standard 203(k)
• Min credit score: 580; min down payment: 3.5%
• Cannot cover structural changes, landscaping, or luxury improvements
• Available through FHA-approved lenders in Charlotte metro area

How to Apply

Deadline: Rolling — through FHA-approved lenders