FHA 203(k) Rehabilitation Mortgage

HUD / FHA, Available through approved lenders

Available Home Repair

About This Program

FHA 203(k) Rehabilitation Mortgage is available to homeowners in Denver, CO.

The FHA 203(k) loan combines a home purchase or refinance with renovation financing into a single mortgage. The Streamline 203(k) covers cosmetic repairs up to $35,000; the Standard 203(k) covers major structural work with no cap beyond FHA loan limits. Minimum credit score is 580 (many lenders require 620+) and minimum 3.5% down payment applies. Expect 60+ days to close.

Not a grant, this is a loan. Benefit is ability to finance repairs with a low down payment. Denver County FHA loan limit 2026: check HUD's website for current limits.

Verified against HUD / FHA, Available through 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 Denver, CO, you can stack it with local programs like these:

Key Details

  • Combines purchase or refinance with renovation into one FHA loan
  • Streamline (cosmetic): up to $35,000; Standard: up to FHA loan limit
  • Minimum 3.5% down payment; credit score 580+ (often 620+ required by lender)
  • Works for purchase or refinance of owner-occupied properties
  • Find a HUD-approved 203(k) lender at hud.gov or call 800-225-5342

How to Apply

Get free help applying Visit Official Program Page Track this program

800-225-5342

A grant-savvy contractor in Denver, CO 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 Denver 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: Rolling

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

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

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

How do I apply for FHA 203(k) Rehabilitation Mortgage in Denver, CO?

Apply directly with HUD / FHA, Available through approved lenders using the official program link on this page or call 800-225-5342. There is no middleman and no fee.

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