FHA Title 1 Home Improvement Loan

About This Program

FHA-insured improvement loans through private lenders. No equity required for amounts up to $7,500 (signature only). Up to $25,000 for improvements that increase livability. Does not cover luxury items. Works as a gap filler after grants are applied.

No equity required up to $7,500; no income limits

Key Details

• Up to $7,500 unsecured (signature only — no equity needed)
• Up to $25,000 with lien on property
• No income limits
• Must use an FHA-approved Title 1 lender
• Good gap filler when grants don't cover everything

How to Apply

Deadline: Year-round through FHA-approved lenders