Federal Housing Administration
The FHA 203(k) loan combines purchase/refinance with renovation costs in a single mortgage. The Limited 203(k) covers up to $75,000 in repairs (raised from $35,000 in 2025). The Standard 203(k) covers major renovations up to the FHA loan limit. Minimum 3.5% down payment required.
Mortgage product, not a grant; repair costs rolled into loan
Deadline: Ongoing 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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