FHA 203(k) Rehabilitation Mortgage

About This Program

The FHA 203(k) loan combines a home purchase or refinance with renovation financing into a single mortgage. The Streamline 203(k) covers cosmetic repairs up to $35,000; the Standard 203(k) covers major structural work with no cap beyond FHA loan limits. Minimum credit score is 580 (many lenders require 620+) and minimum 3.5% down payment applies. Expect 60+ days to close.

Not a grant — this is a loan. Benefit is ability to finance repairs with a low down payment. Denver County FHA loan limit 2026: check HUD's website for current limits.

Key Details

• Combines purchase or refinance with renovation into one FHA loan
• Streamline (cosmetic): up to $35,000; Standard: up to FHA loan limit
• Minimum 3.5% down payment; credit score 580+ (often 620+ required by lender)
• Works for purchase or refinance of owner-occupied properties
• Find a HUD-approved 203(k) lender at hud.gov or call 800-225-5342

How to Apply

Deadline: Rolling