HUD / FHA-approved lenders
FHA 203(k) Rehabilitation Mortgage is available to homeowners in Phoenix, AZ.
FHA 203(k) insures mortgages covering both purchase and rehabilitation of a home, or refinance and rehabilitation. The Standard 203(k) allows major renovations (minimum $5,000 in rehab) up to the FHA county loan limit ($557,750 in Maricopa County for 2025). The Limited 203(k) covers minor remodeling up to $75,000 in rehab costs. Ideal for buying a fixer-upper or refinancing to fund repairs. A HUD-approved 203(k) consultant may be required for Standard loans.
Rehab cost is folded into the mortgage. Standard 203(k) requires a HUD-approved consultant. Limited 203(k) max rehab is $75,000. Minimum 580 credit score typically required.
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 Phoenix, AZ, you can stack it with local programs like these:
A grant-savvy contractor in Phoenix, AZ 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 Phoenix early keeps your application moving.
Get matched with a contractorEach program sets its own contractor rules. Check the official program page for exact requirements.
An FHA mortgage that rolls the cost of repairs or renovation into the loan to buy or refinance a home. The rehab work must total at least 5,000 dollars. You apply through an FHA approved lender, not a government office.
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: Rolling, apply through FHA-approved lenders
Ask us. It is free, and a real person answers within a business day.
Email us about this programLoan limit up to $557,750 in Maricopa County (2025); Limited 203k up to $75,000 rehab costs.
FHA 203(k) Rehabilitation Mortgage is open to homeowners in Phoenix, AZ. It has no income limit.
Apply directly with HUD / FHA-approved lenders using the official program link on this page. 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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