FHA 203(k) Standard Rehabilitation Loan

HUD / Federal Housing Administration

Available Home Repair

About This Program

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

FHA-insured mortgage for major renovations including structural repairs, complete kitchen/bathroom remodels, room additions, and accessibility modifications. Minimum $5,000 in rehab costs. Requires HUD consultant. Total property value must fall within FHA county limits.

Minimum $5,000 rehab; requires HUD 203(k) consultant; FHA limits apply

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

  • For major renovations: structural, additions, full remodels
  • Minimum $5,000 in rehabilitation costs
  • FHA 2026 loan limit up to $1,249,125 (high-cost areas)
  • Requires HUD-approved 203(k) consultant
  • 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) Standard Rehabilitation Loan provide in Newark, NJ?

Up to FHA loan limit ($1,249,125 high-cost).

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

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

How do I apply for FHA 203(k) Standard 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?

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