FHA 203(k) Rehabilitation Mortgage Insurance

Federal Housing Administration (FHA)

Available Home Repair

About This Program

FHA-insured mortgage that allows borrowers to finance both the purchase (or refinance) of a house and the cost of its rehabilitation through a single mortgage. Available for both Limited (up to $35,000) and Standard 203(k) loans.

Loan combines purchase/refinance and renovation costs up to FHA county limits

Verified against Federal Housing Administration (FHA)'s official page on 2026-06-17.

Data last verified 2026-06-09. How we verify our data.

This is a national program. In Phenix City, AL, you can stack it with local programs like these:

Key Details

  • Single mortgage for purchase + renovation
  • Limited 203(k) up to $35,000 repairs
  • Standard 203(k) for major rehab projects
  • Must use FHA-approved lender and contractor
  • Available for owner-occupied 1-4 unit properties

How to Apply

Get free help applying Visit Official Program Page Track this program

(800) 225-5342

A grant-savvy contractor in Phenix City, AL can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Phenix City early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Available through FHA-approved lenders year-round

Questions about this program?

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