FHA Title I Property Improvement Loan

U.S. Dept. of Housing & Urban Development (HUD) / FHA

Available Home Repair

About This Program

FHA Title I Property Improvement Loan is available to homeowners in San Antonio, TX.

FHA Title I loans are government-insured home improvement loans available through private lenders with no minimum credit score or income requirements set by HUD. Homeowners can borrow up to $25,000 for a single-family home for up to 20 years. Loans over $7,500 must be secured by the property; improvements must substantially protect or improve the basic livability of the home.

No income limit; no minimum credit score required by HUD; up to $25,000 at market rates

Verified against U.S. Dept. of Housing & Urban Development (HUD) / FHA's official page on 2026-06-17.

Data last verified 2026-04-03. How we verify our data.

This is a national program. In San Antonio, TX, you can stack it with local programs like these:

Key Details

  • No HUD-set minimum income or credit score requirement
  • Up to $25,000 for single-family homes; 20-year maximum term
  • Loans ≤$7,500 unsecured; loans >$7,500 secured by property
  • Improvements must improve the basic livability or utility of the home
  • Apply through HUD-approved Title I lenders; find lender at hud.gov

How to Apply

Get free help applying Visit Official Program Page Track this program

800-225-5342

A grant-savvy contractor in San Antonio, TX 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 San Antonio 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: Open, apply through FHA-approved lenders

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 I Property Improvement Loan provide in San Antonio, TX?

Up to $25,000 for single-family homes.

Who qualifies for FHA Title I Property Improvement Loan in San Antonio?

FHA Title I Property Improvement Loan is open to homeowners in San Antonio, TX. It has no income limit.

How do I apply for FHA Title I Property Improvement Loan in San Antonio, TX?

Apply directly with U.S. Dept. of Housing & Urban Development (HUD) / FHA 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.

Get matched with a pro, free Browse San Antonio, TX contractors

Find More Programs in San Antonio, TX

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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