FHA Title I Property Improvement Loan

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

Available Home Repair

About This Program

FHA Title I Property Improvement Loan is available to homeowners and renters in Atlanta, GA.

FHA-insured home improvement loans up to $25,000 for single-family homes, available through HUD-approved lenders. Loans up to $7,500 are unsecured (signature only); larger loans require a lien on the property. Fixed interest rate; no prepayment penalty. No equity requirement for smaller loans. Can be used for any permanent home improvement that adds to the home's basic livability.

Loan, repayment required. No equity needed for loans under $7,500. Rate is market-based.

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

  • Must be a homeowner or long-term lessee of the property
  • Loans up to $7,500 require only your signature (no collateral)
  • Loans over $7,500 must be secured against the property
  • Find approved lenders via HUD: 800-CALL-FHA (800-225-5342)
  • No income requirement, creditworthiness determines approval

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

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • A recent utility bill for the home (energy and weatherization programs use it to confirm service and usage).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
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 approved lenders

Questions about this program?

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Frequently asked questions

How much can FHA Title I Property Improvement Loan provide in Atlanta, GA?

Up to $25,000 (single-family).

Who qualifies for FHA Title I Property Improvement Loan in Atlanta?

FHA Title I Property Improvement Loan is open to homeowners and renters in Atlanta, GA. It has no income limit.

How do I apply for FHA Title I Property Improvement Loan 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.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

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