U.S. Department of Housing and Urban Development (HUD) / FHA-approved lenders
FHA Title I Home Improvement Loan is available to homeowners in Jacksonville, FL.
FHA Title I loans are federally insured home improvement loans available to homeowners who may not have sufficient equity for a conventional loan. Loans up to $25,000 are available for single-family homes with terms up to 20 years, and no minimum credit score is required. Eligible improvements must be permanent and substantially protect or improve the basic livability or utility of the property. Jacksonville Housing Services maintains an updated list of approved local lenders.
Not a grant, a federally insured loan at market rates; no minimum credit score but credit check required; must have occupied home 90+ days
Official program page checked live on 2026-06-22.
Data last verified 2026-04-03. How we verify our data.
This is a national program. In Jacksonville, FL, you can stack it with local programs like these:
A grant-savvy contractor in Jacksonville, FL 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 Jacksonville early keeps your application moving.
Get matched with a contractorEach program sets its own contractor rules. Check the official program page for exact requirements.
Form to file: HUD Form 56001 (Credit Application for Property Improvement Loan)
The FHA Title I program lets you borrow to repair or improve a home, with HUD insuring the loan a private lender makes. It funds alterations, repairs, and site improvements that protect or improve the home's basic livability. You apply through a HUD-approved Title I lender; loans above 7,500 dollars are secured by the home, and there is no prepayment penalty.
Steps to apply
Documents you will likely need
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, apply through FHA-approved lenders; contact Jacksonville Housing Services for lender list
Ask us. It is free, and a real person answers within a business day.
Email us about this programUp to $25,000 for single-family homes.
FHA Title I Home Improvement Loan is open to homeowners in Jacksonville, FL. It has no income limit.
Apply directly with U.S. Department of Housing and Urban Development (HUD) / FHA-approved lenders using the official program link on this page or call 800-225-5342. There is no middleman and no fee.
Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.
Rebates and discounts that stack on top of any grant. Most are free to use.
This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.
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