FHA 203(k) Rehabilitation Loan

Federal Housing Administration / HUD

Available Home Repair

About This Program

FHA-insured mortgage that includes funds for home purchase plus renovation costs in a single loan. Two versions: Limited 203(k) for repairs up to $35,000, and Standard 203(k) for major renovations. Allows homebuyers to finance repairs without additional loans. Requires 3.5% down payment and use of FHA-approved contractors.

Loan combines purchase price plus renovation costs

Verified against Federal Housing Administration / HUD's official page on 2026-06-17.

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

This is a national program. In Rowland Heights, CA, you can stack it with local programs like these:

Key Details

  • Single loan for purchase + renovation
  • Limited 203(k): repairs up to $35,000
  • Standard 203(k): major renovations
  • 3.5% down payment required
  • Use FHA-approved lenders and contractors

How to Apply

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

This grant requires a licensed contractor

This grant requires the work to be done by a licensed contractor, and you will likely need a written estimate to apply. Get a free estimate from a contractor in Rowland Heights who knows grant paperwork.

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.
  • 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).

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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Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

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