FHA 203(k) Rehabilitation Loan

Federal Housing Administration / HUD

Available Home Repair

About This Program

FHA 203(k) Rehabilitation Loan is available to homeowners in Louisville, KY.

Wraps home purchase or refinance with renovation costs into a single FHA-insured mortgage. Limited 203(k) covers up to $75,000 in minor repairs. Standard 203(k) allows major structural work up to county FHA loan limits with minimum $5,000 rehab cost.

Mortgage product, renovation costs rolled into loan; FHA mortgage insurance required

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 Louisville, KY, you can stack it with local programs like these:

Key Details

  • Limited 203(k): up to $75,000 for minor renovations
  • Standard 203(k): major rehab up to county FHA loan limit
  • Single mortgage covers purchase + renovation costs
  • Minimum $5,000 rehab cost for Standard 203(k)
  • Apply through any FHA-approved lender in Louisville

How to Apply

Get free help applying Visit Official Program Page Track this program

800-225-5342

A grant-savvy contractor in Louisville, KY 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 Louisville 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: Ongoing 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) Rehabilitation Loan provide in Louisville, KY?

Limited: up to $75,000 rehab; Standard: county FHA limit.

Who qualifies for FHA 203(k) Rehabilitation Loan in Louisville?

FHA 203(k) Rehabilitation Loan is open to homeowners in Louisville, KY. It has no income limit.

How do I apply for FHA 203(k) Rehabilitation Loan in Louisville, KY?

Apply directly with Federal Housing Administration / 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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