HUD Title I Property Improvement Loan

HUD / FHA, via approved lenders

Available Home Repair

About This Program

HUD Title I Property Improvement Loan is available to homeowners in Miami, FL.

HUD's Title I program insures private lenders to offer property improvement loans up to $25,000 for single-family homes, with repayment terms up to 20 years. No home equity is required (the loan is unsecured up to $7,500), making it accessible for homeowners without significant equity. Fixed interest rates are set by lenders at market rates. Apply through any FHA-approved Title I lender.

Loans under $7,500 are unsecured, no equity required. Loans above $7,500 are secured by a lien on the property. Interest rate set by lender at market rate.

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 Miami, FL, you can stack it with local programs like these:

Key Details

  • Unsecured loans up to $7,500, no home equity required
  • Secured loans up to $25,000 with repayment terms up to 20 years
  • Fixed market interest rates set by the FHA-approved lender
  • Available to both homeowners and renters for property improvements
  • Contact HUD at 800-225-5342 to find an approved Title I lender

How to Apply

Get free help applying Visit Official Program Page Track this program

800-225-5342

A grant-savvy contractor in Miami, 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 Miami 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).
  • A recent utility bill for the home (energy and weatherization programs use it to confirm service and usage).
  • 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: Rolling, through FHA-approved Title I 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 HUD Title I Property Improvement Loan provide in Miami, FL?

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

Who qualifies for HUD Title I Property Improvement Loan in Miami?

HUD Title I Property Improvement Loan is open to homeowners in Miami, FL. It has no income limit.

How do I apply for HUD Title I Property Improvement Loan in Miami, FL?

Apply directly with HUD / FHA, via approved lenders 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.

Get matched with a pro, free Browse Miami, FL contractors

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

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