FHA Title I Home Improvement Loan

About This Program

FHA-insured loan for home improvements up to $25,000 for single-family homes. Loans up to $7,500 require only a signature (no property collateral). Available through HUD-approved lenders regardless of income.

Market-rate interest; up to 20-year term; $7,500 or less needs no collateral; no equity required

Key Details

• Up to $25,000 for single-family home improvements
• No home equity required — available for any homeowner
• Loans $7,500 or less: signature only, no collateral
• Up to 20-year loan term through approved lenders
• FHA-insured — may have lower rates than conventional

How to Apply

Deadline: Ongoing — through approved lenders