FHA Title I Property Improvement Loan

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

Available Home Repair

About This Program

FHA Title I Property Improvement Loan is available to homeowners and renters in Houston, TX.

FHA Title I loans provide HUD-insured financing through approved private lenders for permanent home improvements. Loans up to $7,500 are unsecured (signature only); larger loans up to $25,000 are secured by a lien on the property. Title I loans can be used by renters with landlord's permission for interior improvements. No minimum equity requirement, making it accessible for homeowners with little equity.

Loan product, not a grant. Competitive fixed rates; good option when equity is insufficient for a home equity loan.

Verified against U.S. Department of Housing and Urban Development (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 Houston, TX, you can stack it with local programs like these:

Key Details

  • Maximum $25,000 for single-family homes
  • Loans up to $7,500 are unsecured (no home equity required)
  • Available to homeowners and renters (with landlord permission for renters)
  • No minimum equity requirement
  • Apply through HUD-approved Title I lenders

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

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).
  • 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: Contact program

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

How much can FHA Title I Property Improvement Loan provide in Houston, TX?

Up to $25,000 for single-family home improvements.

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

FHA Title I Property Improvement Loan is open to homeowners and renters in Houston, TX. It has no income limit.

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

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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Find More Programs in Houston, TX

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