FHA 203(k) Limited Rehabilitation Loan

HUD / Federal Housing Administration

Available Home Repair

About This Program

FHA 203(k) Limited Rehabilitation Loan is available to homeowners in Newark, NJ.

FHA-insured mortgage that finances both home purchase and up to $75,000 in renovation costs in a single loan. For minor remodeling and non-structural repairs. Combines purchase price and rehab costs into one mortgage with a low down payment.

Single mortgage covers purchase + up to $75,000 in rehab; 3.5% down

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 Newark, NJ, you can stack it with local programs like these:

Key Details

  • Up to $75,000 in renovation costs rolled into mortgage
  • Combines purchase and rehab in one FHA loan
  • 3.5% minimum down payment
  • For non-structural repairs and minor remodeling
  • Apply through FHA-approved 203(k) lender

How to Apply

Get free help applying Visit Official Program Page Track this program

800-225-5342

A grant-savvy contractor in Newark, NJ 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 Newark 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

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) Limited Rehabilitation Loan provide in Newark, NJ?

Up to $75,000 in repairs.

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

FHA 203(k) Limited Rehabilitation Loan is open to homeowners in Newark, NJ. It has no income limit.

How do I apply for FHA 203(k) Limited Rehabilitation Loan in Newark, NJ?

Apply directly with HUD / Federal Housing Administration 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.

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