FHA 203(k) Rehab Mortgage

Federal (HUD/FHA)

Available Home Repair

About This Program

FHA 203(k) Rehab Mortgage is available to homeowners in Buffalo, NY.

Finance home purchase + renovation in one FHA loan. Limited 203(k) covers up to $75,000 for non-structural repairs. Standard 203(k) covers major structural work with no dollar limit beyond FHA loan limits. Ideal for buying Buffalo’s older housing stock and renovating it simultaneously.

Purchase + renovate in one loan; great for 1938-era Buffalo homes

Verified against Federal (HUD/FHA)'s official page on 2026-06-17.

Data last verified 2026-04-01. How we verify our data.

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

Key Details

  • Limited 203(k): up to $75,000 for non-structural repairs
  • Standard 203(k): major structural work, no dollar cap
  • Purchase + renovate in one loan
  • Works well with Buffalo’s pre-1940 housing stock
  • Apply through FHA-approved lenders

How to Apply

Get free help applying Visit Official Program Page Track this program

1-800-225-5342

A grant-savvy contractor in Buffalo, NY 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 Buffalo 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).
  • 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: Year-round through FHA-approved lenders

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can FHA 203(k) Rehab Mortgage provide in Buffalo, NY?

Up to $75,000 (limited) or unlimited (standard).

Who qualifies for FHA 203(k) Rehab Mortgage in Buffalo?

FHA 203(k) Rehab Mortgage is open to homeowners in Buffalo, NY. It has no income limit.

How do I apply for FHA 203(k) Rehab Mortgage in Buffalo, NY?

Apply directly with Federal (HUD/FHA) using the official program link on this page or call 1-800-225-5342. 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.

Get matched with a pro, free Browse Buffalo, NY contractors

Find More Programs in Buffalo, NY

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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