FHA 203(k) Rehabilitation Mortgage
U.S. Department of Housing and Urban Development (HUD)
About This Program
The Grant Map catalogs FHA 203(k) Rehabilitation Mortgage in its Houston, TX research directory. The record carries audience tags for homeowners; those tags do not establish eligibility or current service coverage.
The FHA 203(k) program allows homebuyers and homeowners to finance up to 110% of a home's post-renovation value for purchase plus renovation, or to refinance and renovate. The Limited 203(k) covers up to $75,000 in non-structural repairs. The Standard 203(k) covers $5,000+ in major rehabilitation including structural work. Requires only 3.5% down payment with a 580+ credit score.
Not a grant, a loan product. Allows rolling renovation costs into a single FHA mortgage at competitive rates.
The cited general URL responded on 2026-07-21; it does not confirm this program or amount.
Record set last reviewed 2026-04-03. How we verify our data.
This is a national program. You can also review these local programs in Houston, TX; confirm separately whether they can coordinate:
Key Details
- Limited 203(k): up to $75,000 in non-structural repairs
- Standard 203(k): $5,000+ including structural work
- Only 3.5% down payment required with 580+ credit score
- Harris County FHA loan limit ~$524,225 (2025)
- Must work with FHA-approved lender and HUD-approved 203(k) consultant (Standard)
How to Apply
Some programs require contractor estimates, licenses, or inspections. A cited link may be general, so confirm the current rules with the administrator before hiring; a directory match does not guarantee contractor eligibility or funding.
You may need a contractor or estimate
Some programs for this project type ask for a license, inspection, or written estimate. Confirm the rule before contacting a contractor in Houston.
Get matched with a contractorEach administrator sets its contractor rules. Confirm exact requirements directly; the cited URL may be a general agency page.
Your application paperwork
An FHA mortgage that rolls the cost of repairs or renovation into the loan to buy or refinance a home. The rehab work must total at least 5,000 dollars. You apply through an FHA approved lender, not a government office.
Steps to apply
- Find an FHA approved lender that offers the 203(k) program.
- Apply with that lender and choose Standard 203(k) (larger projects) or Limited 203(k).
- The lender brings in a HUD approved 203(k) consultant who prepares a work write-up and cost estimate.
- The lender underwrites, closes, and funds the loan, and the repair funds are released as the work is done.
Documents you will likely need
- Standard mortgage application documents (income, assets, credit).
- Contractor bids and a work write-up for the planned repairs.
- Information about the property you are buying or refinancing.
Requirements vary by program and locality. Confirm the exact rules and application route with the administrator. We can help you prepare your paperwork, but you submit it yourself.
Deadline: Application schedule not listed
Questions about this program?
Email us at no charge. Messages are reviewed manually, but a response time is not guaranteed.
Email us about this programReport a problem with this listing
Frequently asked questions
What amount is listed for FHA 203(k) Rehabilitation Mortgage in Houston, TX?
The Grant Map record states: Up to FHA loan limit for Harris County (~$524,225 for 2025). Confirm the current amount and eligible costs with the administrator.
What audience tags are recorded for FHA 203(k) Rehabilitation Mortgage in Houston?
The directory record carries audience tags for homeowners. It also carries a no-income-limit tag. These tags do not establish eligibility; confirm the complete current rules with the administrator.
How do I apply for FHA 203(k) Rehabilitation Mortgage in Houston, TX?
Confirm the application route directly with U.S. Department of Housing and Urban Development (HUD); use the cited source on this page as a starting point or call 800-225-5342. Confirm any fee or cost with the administrator.
Need a Contractor for This Project?
Browse local listings or request an introduction. The Grant Map does not guarantee licensing, program experience, work quality, or funding.
More ways to save on this project
Rebates and discounts that may reduce project cost. Confirm eligibility and coordination rules before including one in your budget.
Find More Programs in Houston, TX
This is one of several kinds of assistance that may be available. Review other programs separately and confirm whether their administrators allow coordination for the same work.
See All Programs