FHA 203(k) Rehabilitation Mortgage

Federal (HUD/FHA)

Available Home Repair

About This Program

FHA 203(k) Rehabilitation Mortgage is available to homeowners in Cleveland, OH.

FHA mortgage that finances home purchase + renovation in a single loan. Limited 203(k) covers non-structural repairs up to $75,000 (raised from $35,000 in 2025) with up to 9 months for work. Standard 203(k) for major structural work up to the Cuyahoga County FHA loan limit (~$541,287). Great for buying and renovating Cleveland's older housing stock.

Purchase + renovation combined; great for fixer-uppers

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 Cleveland, OH, you can stack it with local programs like these:

Key Details

  • Finance purchase + renovation in one FHA loan
  • Limited 203(k): up to $75,000 non-structural (raised 2025)
  • Standard 203(k): major structural work, up to county FHA limit (~$541,287)
  • 9 months (limited) or 12 months (standard) for renovation completion
  • Excellent for Cleveland's older housing stock

How to Apply

Get free help applying Visit Official Program Page Track this program

800-569-4287

A grant-savvy contractor in Cleveland, OH 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 Cleveland 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: Year-round through FHA-approved lenders

Questions about this program?

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

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Frequently asked questions

How much can FHA 203(k) Rehabilitation Mortgage provide in Cleveland, OH?

Limited 203(k): up to $75,000; Standard: full FHA limit.

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

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

How do I apply for FHA 203(k) Rehabilitation Mortgage in Cleveland, OH?

Apply directly with Federal (HUD/FHA) using the official program link on this page or call 800-569-4287. There is no middleman and no fee.

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