FHA 203(k) Rehabilitation Mortgage

HUD / FHA-approved lenders

Available Home Repair

About This Program

FHA 203(k) Rehabilitation Mortgage is available to homeowners in Dallas, TX.

The FHA 203(k) program allows homebuyers and homeowners to finance both the purchase (or refinance) and rehabilitation of a home in a single mortgage. The Limited 203(k) covers projects up to $75,000; the Standard 203(k) accommodates larger structural renovations up to the FHA county loan limit ($806,500 for Dallas County in 2025). Minimum credit score typically 580-620 with 3.5% down payment.

Not a grant, mortgage loan that must be repaid. Enables financing of major rehab without separate home equity loan.

Verified against HUD / FHA-approved lenders's official page on 2026-06-17.

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

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

Key Details

  • Combines home purchase/refinance + renovation in one loan
  • Limited 203(k): up to $75,000 in improvements
  • Standard 203(k): major structural rehab, minimum $5,000 work
  • Minimum 3.5% down payment; 580+ credit score
  • Dallas County FHA loan limit: $806,500 (2025)

How to Apply

Get free help applying Visit Official Program Page Track this program

800-225-5342

A grant-savvy contractor in Dallas, TX 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 Dallas 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, apply through FHA-approved 203(k) 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) Rehabilitation Mortgage provide in Dallas, TX?

Up to $75,000 (Limited) or county FHA loan limit (Standard).

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

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

How do I apply for FHA 203(k) Rehabilitation Mortgage in Dallas, TX?

Apply directly with HUD / FHA-approved lenders 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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