HUD Title I Property Improvement Loan

About This Program

HUD's Title I program insures private lenders to offer property improvement loans up to $25,000 for single-family homes, with repayment terms up to 20 years. No home equity is required (the loan is unsecured up to $7,500), making it accessible for homeowners without significant equity. Fixed interest rates are set by lenders at market rates. Apply through any FHA-approved Title I lender.

Loans under $7,500 are unsecured — no equity required. Loans above $7,500 are secured by a lien on the property. Interest rate set by lender at market rate.

Key Details

• Unsecured loans up to $7,500 — no home equity required
• Secured loans up to $25,000 with repayment terms up to 20 years
• Fixed market interest rates set by the FHA-approved lender
• Available to both homeowners and renters for property improvements
• Contact HUD at 800-225-5342 to find an approved Title I lender

How to Apply

Deadline: Rolling — through FHA-approved Title I lenders