FHA Title 1 Home Improvement Loan

Federal (HUD/FHA)

Available Home Repair

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

Visit Official Program Page Track this program

Deadline: Year-round through FHA-approved lenders

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