FHA Title 1 Property Improvement Loan

About This Program

The FHA Title 1 Property Improvement Loan is a government-backed loan for home repairs and improvements up to $25,000 for single-family homes, available through HUD-approved lenders. No equity is required for loans under $7,500, making it accessible to newer homeowners. Loan terms range from 6 months to 20 years at fixed rates. Improvements must protect or improve the livability of the home — luxury items are not eligible.

Not a grant — fixed-rate loan at market rates through approved lenders. No equity needed for loans under $7,500. No minimum credit score from HUD, but lenders set their own.

Key Details

• Up to $25,000 loan for home repairs through approved lenders
• No equity needed for loans under $7,500
• Fixed rate, 6-month to 20-year terms
• Must improve livability — no pools or luxury items
• Find HUD-approved lenders at hud.gov

How to Apply

Deadline: Ongoing