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FHA Title I Home Improvement Loan

U.S. Department of Housing and Urban Development (HUD)

open federal

About This Program

FHA-insured loan for home improvements through private lenders. Up to $25,000 for single-family homes with terms up to 20 years at fixed rates. Loans under $7,500 require no collateral. No equity required — even borrowers with limited credit history can qualify.

Fixed-rate insured loan; no equity needed. Under $7,500 is unsecured

Key Details

  • Any homeowner — no income limit
  • Up to $25,000 for single-family homes
  • Fixed interest rate, up to 20-year term
  • Loans under $7,500 need no collateral
  • Apply through FHA-approved lender

How to Apply

Visit Official Program Page

Deadline: Ongoing — apply through approved lender

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