FHA Title 1 Home Improvement Loan

About This Program

FHA-insured home improvement loans up to $25,000. No equity required — unsecured up to $7,500 (signature only). Good credit required. Fills the gap when grants don't cover full project costs. Available through FHA-approved lenders nationwide.

No equity required up to $7,500 — good fill-in loan

Key Details

• No equity needed — unsecured up to $7,500 (signature only)
• Use as gap filler when grants cover part of your project
• Available through FHA-approved lenders — check hud.gov
• No income limit — credit and ability to repay required

How to Apply

Deadline: Year-round through FHA-approved lenders