FHA 203(k) Rehabilitation Mortgage
U.S. Department of Housing and Urban Development (HUD) / FHA-approved lenders
About This Program
The Grant Map catalogs FHA 203(k) Rehabilitation Mortgage in its San Jose, CA research directory. The record carries audience tags for homeowners; those tags do not establish eligibility or current service coverage.
The FHA 203(k) loan allows homeowners to finance both a home purchase (or refinance) and renovation costs in a single mortgage with a minimum 3.5% down payment. The Limited 203(k) covers up to $75,000 in repairs; the Standard 203(k) handles major structural work. FHA loan limits in the San José high-cost area reach up to $1,249,125. This is a loan product, not a grant, but enables home improvement financing at favorable FHA rates.
Typical limited rehab loan for moderate repairs
The cited program-specific URL responded on 2026-07-21; confirm current terms.
Record set last reviewed 2026-04-03. How we verify our data.
This is a national program. You can also review these local programs in San Jose, CA; confirm separately whether they can coordinate:
Key Details
- Combines home purchase/refinance + renovation in one loan
- 3.5% down payment, 580+ credit score required
- Limited: up to $75,000; Standard: major structural work
- San José FHA loan limit: up to $1,249,125
- Must be primary residence, contact an FHA-approved lender
How to Apply
Some programs require contractor estimates, licenses, or inspections. A cited link may be general, so confirm the current rules with the administrator before hiring; a directory match does not guarantee contractor eligibility or funding.
You may need a contractor or estimate
Some programs for this project type ask for a license, inspection, or written estimate. Confirm the rule before contacting a contractor in San Jose.
Get matched with a contractorEach administrator sets its contractor rules. Confirm exact requirements directly; the cited URL may be a general agency page.
Your application paperwork
An FHA mortgage that rolls the cost of repairs or renovation into the loan to buy or refinance a home. The rehab work must total at least 5,000 dollars. You apply through an FHA approved lender, not a government office.
Steps to apply
- Find an FHA approved lender that offers the 203(k) program.
- Apply with that lender and choose Standard 203(k) (larger projects) or Limited 203(k).
- The lender brings in a HUD approved 203(k) consultant who prepares a work write-up and cost estimate.
- The lender underwrites, closes, and funds the loan, and the repair funds are released as the work is done.
Documents you will likely need
- Standard mortgage application documents (income, assets, credit).
- Contractor bids and a work write-up for the planned repairs.
- Information about the property you are buying or refinancing.
Requirements vary by program and locality. Confirm the exact rules and application route with the administrator. We can help you prepare your paperwork, but you submit it yourself.
Deadline: Rolling, available through FHA-approved lenders
Questions about this program?
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Frequently asked questions
What amount is listed for FHA 203(k) Rehabilitation Mortgage in San Jose, CA?
The Grant Map record states: Limited 203(k) up to $75,000; Standard 203(k) for larger projects. Confirm the current amount and eligible costs with the administrator.
What audience tags are recorded for FHA 203(k) Rehabilitation Mortgage in San Jose?
The directory record carries audience tags for homeowners. It also carries a no-income-limit tag. These tags do not establish eligibility; confirm the complete current rules with the administrator.
How do I apply for FHA 203(k) Rehabilitation Mortgage in San Jose, CA?
Confirm the application route directly with U.S. Department of Housing and Urban Development (HUD) / FHA-approved lenders; use the cited source on this page as a starting point. Confirm any fee or cost with the administrator.
Need a Contractor for This Project?
Browse local listings or request an introduction. The Grant Map does not guarantee licensing, program experience, work quality, or funding.
More ways to save on this project
Rebates and discounts that may reduce project cost. Confirm eligibility and coordination rules before including one in your budget.
Find More Programs in San Jose, CA
This is one of several kinds of assistance that may be available. Review other programs separately and confirm whether their administrators allow coordination for the same work.
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