FHA Title I Property Improvement Loan

About This Program

FHA Title I loans allow homeowners to borrow up to $25,000 for home improvements without requiring equity in the home. Loans under $7,500 are unsecured. Improvements must substantially protect or improve livability. DC lenders offer fixed-rate loans at market rates with terms up to 20 years. No minimum credit score is required by FHA, though lenders may require 580–640. Debt-to-income ratio must be below 45%.

Using the published maximum of $25,000 for single-family homes.

Key Details

• Up to $25,000 loan – no equity required
• Loans under $7,500 are unsecured (no foreclosure risk)
• Fixed rate, up to 20-year term
• No FHA minimum credit score; lenders may require 580+
• Work with an FHA Title I approved lender in DC

How to Apply

Deadline: Rolling – available through FHA-approved lenders