FHA 203(k) Rehab Mortgage

Federal (HUD/FHA)

Available Home Repair

About This Program

FHA 203(k) Rehab Mortgage is available to homeowners in Kansas City, MO.

Finance a home purchase AND renovation in one mortgage. Limited 203(k) covers up to $75,000 in non-structural repairs. Standard 203(k) covers major structural work with no cap (within FHA loan limits). Strong tool for buying older KC homes that need work. HUD allows combining with CDBG grants.

Purchase + renovate in one loan, works with CDBG grants

Verified against Federal (HUD/FHA)'s official page on 2026-06-17.

Data last verified 2026-04-01. How we verify our data.

This is a national program. In Kansas City, MO, you can stack it with local programs like these:

Key Details

  • Buy and renovate in one mortgage
  • Limited 203(k): up to $75,000 non-structural
  • Standard 203(k): major structural work, higher limits
  • Can stack with CDBG grants at closing
  • Available at FHA-approved lenders in Kansas City

How to Apply

Get free help applying Visit Official Program Page Track this program

A grant-savvy contractor in Kansas City, MO 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 Kansas City 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: Year-round through FHA-approved lenders

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 203(k) Rehab Mortgage provide in Kansas City, MO?

Up to $75,000 non-structural (Limited 203k).

Who qualifies for FHA 203(k) Rehab Mortgage in Kansas City?

FHA 203(k) Rehab Mortgage is open to homeowners in Kansas City, MO. It has no income limit.

How do I apply for FHA 203(k) Rehab Mortgage in Kansas City, MO?

Apply directly with Federal (HUD/FHA) using the official program link on this page. 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 Kansas City, MO contractors

Find More Programs in Kansas City, MO

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

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