FHA Title I Property Improvement Loan

About This Program

FHA Title I loans provide HUD-insured financing through approved private lenders for permanent home improvements. Loans up to $7,500 are unsecured (signature only); larger loans up to $25,000 are secured by a lien on the property. Title I loans can be used by renters with landlord's permission for interior improvements. No minimum equity requirement, making it accessible for homeowners with little equity.

Loan product, not a grant. Competitive fixed rates; good option when equity is insufficient for a home equity loan.

Key Details

• Maximum $25,000 for single-family homes
• Loans up to $7,500 are unsecured (no home equity required)
• Available to homeowners and renters (with landlord permission for renters)
• No minimum equity requirement
• Apply through HUD-approved Title I lenders

How to Apply

Deadline: Contact program