HUD Title I Home Improvement Loan

About This Program

HUD's Title I Property Improvement Loan Insurance program enables FHA-approved lenders to make loans for home improvements without requiring home equity as collateral for amounts up to $7,500. Loans above $7,500 must be secured by the property. Maximum loan is $25,000 for single-family homes with a fixed negotiated interest rate. Improvements must protect or improve the basic livability of the property. No income limit; good credit and repayment ability required.

Loan amount up to $25,000; typical improvement loan for heating or roofing averages $10,000-$20,000.

Key Details

• FHA-backed loans up to $25,000 for home improvements
• No home equity required for loans under $7,500
• Fixed interest rate negotiated with lender
• No income limit; good credit required
• Find approved lenders at hud.gov/lenders

How to Apply

Deadline: Rolling