FHA 203(k) Rehabilitation Mortgage

U.S. Department of Housing and Urban Development (HUD)

Available Home Repair

About This Program

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

The FHA 203(k) program allows homebuyers and homeowners to finance up to 110% of a home's post-renovation value for purchase plus renovation, or to refinance and renovate. The Limited 203(k) covers up to $75,000 in non-structural repairs. The Standard 203(k) covers $5,000+ in major rehabilitation including structural work. Requires only 3.5% down payment with a 580+ credit score.

Not a grant, a loan product. Allows rolling renovation costs into a single FHA mortgage at competitive rates.

Official source site checked live on 2026-06-22.

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

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

Key Details

  • Limited 203(k): up to $75,000 in non-structural repairs
  • Standard 203(k): $5,000+ including structural work
  • Only 3.5% down payment required with 580+ credit score
  • Harris County FHA loan limit ~$524,225 (2025)
  • Must work with FHA-approved lender and HUD-approved 203(k) consultant (Standard)

How to Apply

Get free help applying Visit Official Program Page Track this program

800-225-5342

A grant-savvy contractor in Houston, 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 Houston 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: Contact program

Questions about this program?

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Frequently asked questions

How much can FHA 203(k) Rehabilitation Mortgage provide in Houston, TX?

Up to FHA loan limit for Harris County (~$524,225 for 2025).

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

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

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

Apply directly with U.S. Department of Housing and Urban Development (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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