FHA Title I Property Improvement Loan

About This Program

The FHA Title I loan provides up to $25,000 in unsecured improvement financing (for loans under $7,500, no lien required) through HUD-approved lenders. Unlike the 203(k), it does not require a simultaneous home purchase or refinance — it's a standalone home improvement loan. Interest rates are fixed and negotiable between borrower and lender. No prepayment penalty.

This is a loan, not a grant. Loans over $7,500 must be secured against the property. Call HUD at 800-225-5342 to find Title I approved lenders in Denver.

Key Details

• Up to $25,000 improvement loan — no home purchase required
• Loans under $7,500 are unsecured (no lien on property)
• Fixed interest rate, negotiated with lender — no prepayment penalty
• Must use a HUD-approved Title I lender
• Find lenders at hud.gov or call 800-225-5342

How to Apply

Deadline: Rolling