FHA 203(k) Rehabilitation Mortgage

Federal Housing Administration / HUD

Available Home Repair

About This Program

FHA 203(k) Rehabilitation Mortgage is available to homeowners in Honolulu, HI.

The FHA 203(k) loan allows homebuyers and existing owners to finance purchase (or refinance) plus renovation costs in a single mortgage. Hawaii qualifies for the special high-cost FHA loan limit of up to $1,814,625, making the program highly relevant in Honolulu's expensive housing market. The Standard 203(k) covers major renovations; the Limited 203(k) handles non-structural projects under $35,000.

Hawaii's FHA limit is 150% of the national conforming limit, reaching $1,814,625. Minimum 3.5% down with 580+ credit score. Renovation funds held in escrow.

Verified against Federal Housing Administration / HUD's official page on 2026-06-17.

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

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

Key Details

  • Finance home purchase + renovation in a single FHA loan
  • Hawaii FHA limit: up to $1,814,625, higher than mainland
  • Standard 203(k) for major rehab; Limited 203(k) for projects under $35,000
  • Minimum 3.5% down with 580+ credit score
  • Available through FHA-approved lenders; HUD: 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 Honolulu, HI 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 Honolulu 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?

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Frequently asked questions

How much can FHA 203(k) Rehabilitation Mortgage provide in Honolulu, HI?

Up to FHA loan limits for Honolulu ($1,814,625, Hawaii high-cost limit).

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

FHA 203(k) Rehabilitation Mortgage is open to homeowners in Honolulu, HI.

How do I apply for FHA 203(k) Rehabilitation Mortgage in Honolulu, HI?

Apply directly with Federal Housing Administration / HUD using the official program link on this page or call 800-225-5342. There is no middleman and no fee.

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