U.S. Department of Housing and Urban Development
FHA Title I Home Improvement Loan is available to homeowners in New York City, NY.
FHA-insured loans up to $25,000 for single-family home improvements through approved lenders. Loans up to $7,500 require only a signature (no collateral). Maximum 20-year term. Can be used for any improvements that protect or improve livability.
Loan through approved lender; up to $7,500 unsecured, above requires property as collateral
Verified against U.S. Department of Housing and Urban Development's official page on 2026-06-17.
Data last verified 2026-04-03. How we verify our data.
In New York City, NY, you can combine this program with other local help to cut your cost:
A grant-savvy contractor in New York City, NY 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 New York City early keeps your application moving.
Get matched with a contractorEach program sets its own contractor rules. Check the official program page for exact requirements.
Form to file: HUD Form 56001 (Credit Application for Property Improvement Loan)
The FHA Title I program lets you borrow to repair or improve a home, with HUD insuring the loan a private lender makes. It funds alterations, repairs, and site improvements that protect or improve the home's basic livability. You apply through a HUD-approved Title I lender; loans above 7,500 dollars are secured by the home, and there is no prepayment penalty.
Steps to apply
Documents you will likely need
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
Ask us. It is free, and a real person answers within a business day.
Email us about this programUp to $25,000.
FHA Title I Home Improvement Loan is open to homeowners in New York City, NY. It has no income limit.
Apply directly with U.S. Department of Housing and Urban Development using the official program link on this page or call 800-225-5342. There is no middleman and no fee.
Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.
Rebates and discounts that stack on top of any grant. Most are free to use.
This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.
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