FHA Title I Property Improvement Loan

About This Program

HUD's FHA Title I Property Improvement Loan program allows homeowners and long-term renters to borrow for home improvements through FHA-approved lenders, with loans up to $25,000 for single-family homes. Loans under $7,500 are unsecured. Title I loans can be used for any permanent improvement that makes the home more livable and useful, not for luxury items. Credit requirements vary by lender.

Must use FHA-approved Title I lender; loans under $7,500 unsecured (no equity required); primary residence required; no strict income limit but lender sets credit requirements

Key Details

• Borrow up to $25,000 for home improvements through FHA-approved lenders
• Loans under $7,500 require no collateral (unsecured)
• No strict income limit — lender determines credit eligibility
• Cannot be used for luxury items; must be permanent improvements
• Find approved lenders at hud.gov or call 1-800-CALL-FHA

How to Apply

Deadline: Rolling