FHA Title I Home Improvement Loan

About This Program

The FHA Title I program insures loans made by approved lenders for home improvements, repairs, and rehabilitation. Single-family homeowners can borrow up to $25,000. Loans under $7,500 are unsecured; larger loans require a property lien. The program does not require equity in the home and is accessible to borrowers with limited credit history. Interest rates are fixed and negotiated with the lender.

Not a grant — must repay. FHA insurance reduces lender risk, enabling broader access. Contact HUD at 800-225-5342 for lender referrals.

Key Details

• FHA-insured loan — not a grant; must be repaid
• Up to $25,000 for single-family home improvements
• No equity required; accessible with limited credit history
• Fixed interest rate negotiated with FHA-approved lender
• Call 800-CALL-FHA (225-5342) for lender referrals

How to Apply

Deadline: Ongoing — apply through FHA-approved lenders