FHA Title 1 Property Improvement Loan

HUD / Federal Housing Administration

Available Home Repair

About This Program

FHA Title 1 Property Improvement Loan is available to homeowners in Nashville, TN.

The FHA Title 1 Property Improvement Loan is a government-backed loan for home repairs and improvements up to $25,000 for single-family homes, available through HUD-approved lenders. No equity is required for loans under $7,500, making it accessible to newer homeowners. Loan terms range from 6 months to 20 years at fixed rates. Improvements must protect or improve the livability of the home, luxury items are not eligible.

Not a grant, fixed-rate loan at market rates through approved lenders. No equity needed for loans under $7,500. No minimum credit score from HUD, but lenders set their own.

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

  • Up to $25,000 loan for home repairs through approved lenders
  • No equity needed for loans under $7,500
  • Fixed rate, 6-month to 20-year terms
  • Must improve livability, no pools or luxury items
  • 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.

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Frequently asked questions

How much can FHA Title 1 Property Improvement Loan provide in Nashville, TN?

$25,000.

Who qualifies for FHA Title 1 Property Improvement Loan in Nashville?

FHA Title 1 Property Improvement Loan is open to homeowners in Nashville, TN. It has no income limit.

How do I apply for FHA Title 1 Property Improvement 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.

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