FHA 203(k) Rehabilitation Mortgage

Federal (HUD/FHA)

Available Home Repair

About This Program

FHA mortgage that finances home purchase + renovation in a single loan. Limited 203(k) covers non-structural repairs up to $75,000 with up to 9 months for work. Standard 203(k) for major structural work up to the Montgomery County FHA loan limit. Excellent for Dayton's large stock of pre-1950s homes in need of rehabilitation.

Purchase + renovation combined; great for fixer-uppers

Key Details

  • Finance purchase + renovation in one FHA loan
  • Limited 203(k): up to $75,000 non-structural (raised 2025)
  • Standard 203(k): major structural work, up to county FHA limit
  • 9 months (limited) or 12 months (standard) for renovation completion
  • Excellent for Dayton's older housing stock, pre-1950s homes

How to Apply

Visit Official Program Page Track this program

800-569-4287

Deadline: Year-round through FHA-approved lenders

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