FHA 203(k) Rehabilitation Mortgage

U.S. Department of Housing and Urban Development (HUD) / FHA

Available Home Repair

About This Program

FHA 203(k) Rehabilitation Mortgage is available to homeowners in Atlanta, GA.

Combines a home purchase or refinance loan with renovation financing into a single FHA-insured mortgage. Standard 203(k) covers major structural repairs over $75,000; Limited 203(k) covers up to $75,000 in non-structural repairs. Atlanta area loan limit is $718,750. Minimum 3.5% down payment required. Requires a HUD-approved 203(k) consultant for standard loans.

Loan, repayment required. Rolls purchase price + renovation costs into one monthly payment.

Verified against U.S. Department of Housing and Urban Development (HUD) / FHA's official page on 2026-06-17.

Data last verified 2026-04-03. How we verify our data.

This is a national program. In Atlanta, GA, you can stack it with local programs like these:

Key Details

  • Combines home purchase/refi + renovation into one FHA loan
  • Standard 203(k): major structural work ($75,000+); requires HUD consultant
  • Limited 203(k): up to $75,000 in non-structural improvements
  • Atlanta area FHA loan limit: $718,750
  • Minimum 3.5% down payment; available through FHA-approved lenders

How to Apply

Get free help applying Visit Official Program Page Track this program

800-225-5342

A grant-savvy contractor in Atlanta, GA can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Atlanta early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

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

  1. Find an FHA approved lender that offers the 203(k) program.
  2. Apply with that lender and choose Standard 203(k) (larger projects) or Limited 203(k).
  3. The lender brings in a HUD approved 203(k) consultant who prepares a work write-up and cost estimate.
  4. The lender underwrites, closes, and funds the loan, and the repair funds are released as the work is done.
Get the official form

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.
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Ongoing through FHA-approved lenders

Questions about this program?

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Frequently asked questions

How much can FHA 203(k) Rehabilitation Mortgage provide in Atlanta, GA?

Up to $718,750 (Atlanta area loan limit, Standard 203k).

Who qualifies for FHA 203(k) Rehabilitation Mortgage in Atlanta?

FHA 203(k) Rehabilitation Mortgage is open to homeowners in Atlanta, GA. It has no income limit.

How do I apply for FHA 203(k) Rehabilitation Mortgage in Atlanta, GA?

Apply directly with U.S. Department of Housing and Urban Development (HUD) / FHA using the official program link on this page or call 800-225-5342. There is no middleman and no fee.

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