FHA Title I Property Improvement Loan

HUD / FHA, Available through approved lenders

Available Home Repair

About This Program

FHA Title I Property Improvement Loan is available to homeowners in Denver, CO.

The FHA Title I loan provides up to $25,000 in unsecured improvement financing (for loans under $7,500, no lien required) through HUD-approved lenders. Unlike the 203(k), it does not require a simultaneous home purchase or refinance, it's a standalone home improvement loan. Interest rates are fixed and negotiable between borrower and lender. No prepayment penalty.

This is a loan, not a grant. Loans over $7,500 must be secured against the property. Call HUD at 800-225-5342 to find Title I approved lenders in Denver.

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

  • Up to $25,000 improvement loan, no home purchase required
  • Loans under $7,500 are unsecured (no lien on property)
  • Fixed interest rate, negotiated with lender, no prepayment penalty
  • Must use a HUD-approved Title I lender
  • Find lenders 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

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: Rolling

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 Title I Property Improvement Loan provide in Denver, CO?

Up to $25,000 for single-family homes.

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

FHA Title I Property Improvement Loan is open to homeowners in Denver, CO. It has no income limit.

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

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 Denver, CO contractors

Find More Programs in Denver, CO

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

See All Programs