FHA 203(k) Rehabilitation Mortgage

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

Available Home Repair

About This Program

FHA 203(k) Rehabilitation Mortgage is available to homeowners in Las Vegas, NV.

The FHA 203(k) loan lets homeowners finance major rehabilitation costs into a single mortgage, either when purchasing a fixer-upper or refinancing an existing home. The Standard 203(k) covers major structural work; the Limited (Streamlined) 203(k) is for repairs under $75,000 without major structural changes. A minimum 580 credit score and 3.5% down payment are required. Rates run approximately 0.75%-1.0% higher than standard FHA loans.

Financing product, not a grant; minimum 580 credit score, 3.5% down payment; must be primary residence; 60+ days to close; mortgage insurance required; rates higher than standard FHA

Verified against U.S. Department of Housing and Urban Development (FHA)'s official page on 2026-06-17.

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

This is a national program. In Las Vegas, NV, you can stack it with local programs like these:

Key Details

  • Finance home purchase + repairs OR refinance + rehab in a single FHA mortgage
  • Standard 203(k) for major structural work; Limited for projects under $75,000
  • Minimum 580 credit score and 3.5% down payment required
  • Rates run 0.75%-1.0% higher than standard FHA; 60+ day close timeline
  • Ask at any FHA-approved lender in Las Vegas, not a grant, a mortgage product

How to Apply

Get free help applying Visit Official Program Page Track this program

A grant-savvy contractor in Las Vegas, NV 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 Las Vegas 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, available from 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) Rehabilitation Mortgage provide in Las Vegas, NV?

Loan amount up to FHA conforming limit ($524,225 in Clark County for 2026); financed into mortgage.

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

FHA 203(k) Rehabilitation Mortgage is open to homeowners in Las Vegas, NV. It has no income limit.

How do I apply for FHA 203(k) Rehabilitation Mortgage in Las Vegas, NV?

Apply directly with U.S. Department of Housing and Urban Development (FHA) using the official program link on this page. There is no middleman and no fee.

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