FHA 203(k) Standard Renovation Loan

HUD / Federal Housing Administration

Available Home Repair

About This Program

FHA 203(k) Standard Renovation Loan is available to homeowners in Nashville, TN.

The FHA 203(k) Standard Renovation Loan allows homebuyers and existing homeowners to finance major renovation costs within a single FHA-insured mortgage. It covers structural repairs, room additions, HVAC, roofing, plumbing, electrical, and accessibility improvements exceeding $35,000. A 20% contingency reserve and up to 6 months of mortgage payments during renovation are included. Minimum credit score 580 with 3.5% down.

Not a grant, this is a loan at FHA mortgage rates. Renovation costs are rolled into one mortgage payment. Must use a HUD-approved 203(k) consultant.

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 Nashville, TN, you can stack it with local programs like these:

Key Details

  • Finance home purchase AND renovation in one FHA mortgage
  • Covers major structural repairs, HVAC, roofing, plumbing
  • Minimum credit score 580, 3.5% down payment
  • Includes 20% contingency reserve and up to 6 months of payments
  • Find HUD-approved lenders at hud.gov

How to Apply

Get free help applying Visit Official Program Page Track this program

1-800-569-4287

A grant-savvy contractor in Nashville, TN 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 Nashville 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: Ongoing

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can FHA 203(k) Standard Renovation Loan provide in Nashville, TN?

Up to $989,000 (Davidson County 2026 FHA limit).

Who qualifies for FHA 203(k) Standard Renovation Loan in Nashville?

FHA 203(k) Standard Renovation Loan is open to homeowners in Nashville, TN. It has no income limit.

How do I apply for FHA 203(k) Standard Renovation Loan in Nashville, TN?

Apply directly with HUD / Federal Housing Administration using the official program link on this page or call 1-800-569-4287. 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 Nashville, TN contractors

Find More Programs in Nashville, TN

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

See All Programs