FHA Title I Property Improvement Loan

About This Program

FHA Title I loans are government-insured home improvement loans available through private lenders with no minimum credit score or income requirements set by HUD. Homeowners can borrow up to $25,000 for a single-family home for up to 20 years. Loans over $7,500 must be secured by the property; improvements must substantially protect or improve the basic livability of the home.

No income limit; no minimum credit score required by HUD; up to $25,000 at market rates

Key Details

• No HUD-set minimum income or credit score requirement
• Up to $25,000 for single-family homes; 20-year maximum term
• Loans ≤$7,500 unsecured; loans >$7,500 secured by property
• Improvements must improve the basic livability or utility of the home
• Apply through HUD-approved Title I lenders; find lender at hud.gov

How to Apply

Deadline: Open — apply through FHA-approved lenders