FHA Title I Home Improvement Loan

About This Program

FHA-insured loans for home improvement available through approved private lenders. Maximum $25,000 for single-family homes with up to a 20-year term. Loans up to $7,500 require only your signature (unsecured); larger amounts require the home as collateral. No income limits but lender underwriting standards apply. Cannot be used for luxury improvements or new construction. Locate participating lenders at hud.gov.

Interest rates set by lender but FHA-insured reduces lender risk. Title I loans are separate from any first mortgage. Not equity-based.

Key Details

• FHA-insured home improvement loan up to $25,000 for single-family homes
• 20-year maximum term; competitive interest rates
• Loans ≤ $7,500 unsecured; above that, home used as collateral
• No income limits — lender underwriting standards apply
• Cannot be used for luxury additions or new construction

How to Apply

Deadline: Rolling — apply through FHA-approved lenders