FHA Title 1 Home Improvement Loan

About This Program

Up to $25,000 for home improvements with no equity requirement. Amounts up to $7,500 are unsecured (signature only). Fixed-rate loan for improvements that make the home more livable or functional. Fills the gap when grants don't cover full project cost. Find FHA lenders through HUD's lender list.

No equity required — $7,500 unsecured, up to $25,000 secured

Key Details

• Up to $25,000 for home improvements
• Up to $7,500 unsecured (no equity needed)
• No home equity requirement
• Fixed-rate, through FHA-approved lenders
• Stacks well with grant programs

How to Apply

Deadline: Year-round through FHA-approved lenders