FHA Title I Property Improvement Loan

HUD / FHA, available through approved lenders

Active Home Repair

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

Visit Official Program Page Track this program

(800) 225-5342

Deadline: Rolling, available through FHA-approved lenders

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