FHA 203(k) Rehabilitation Mortgage

Federal Housing Administration (HUD)

Available Home Repair

About This Program

FHA 203(k) Rehabilitation Mortgage is available to homeowners in San Diego, CA.

The FHA 203(k) Rehabilitation Mortgage allows homebuyers or existing homeowners to finance both the purchase (or refinance) of a home and the cost of its rehabilitation in a single mortgage. The Limited 203(k) covers minor repairs up to $35,000; the Standard 203(k) covers major structural repairs with no upper dollar limit (within FHA loan limits). San Diego County's FHA loan limit is approximately $977,500.

Must use FHA-approved lender; minimum 3.5% down payment; property must be primary residence; repairs must be completed within 6 months; no income limit but standard FHA credit/debt requirements apply

Verified against Federal Housing Administration (HUD)'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 Diego, CA, you can stack it with local programs like these:

Key Details

  • Combine home purchase/refinance and renovation costs in one mortgage
  • Limited 203(k): up to $35,000 for minor repairs; Standard: no cap within FHA limits
  • San Diego County FHA loan limit ~$977,500 (2026)
  • Minimum 3.5% down payment; primary residence only
  • Use FHA-approved lender, search at hud.gov or call 1-800-CALL-FHA

How to Apply

Get free help applying Visit Official Program Page Track this program

1-800-CALL-FHA

A grant-savvy contractor in San Diego, CA 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 Diego 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

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

  1. Find an FHA approved lender that offers the 203(k) program.
  2. Apply with that lender and choose Standard 203(k) (larger projects) or Limited 203(k).
  3. The lender brings in a HUD approved 203(k) consultant who prepares a work write-up and cost estimate.
  4. The lender underwrites, closes, and funds the loan, and the repair funds are released as the work is done.
Get the official form

Documents you will likely need

  • Standard mortgage application documents (income, assets, credit).
  • Contractor bids and a work write-up for the planned repairs.
  • Information about the property you are buying or refinancing.
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: Rolling

Questions about this program?

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Frequently asked questions

How much can FHA 203(k) Rehabilitation Mortgage provide in San Diego, CA?

Up to FHA loan limit for San Diego County ($977,500 in 2026) including rehab costs.

Who qualifies for FHA 203(k) Rehabilitation Mortgage in San Diego?

FHA 203(k) Rehabilitation Mortgage is open to homeowners in San Diego, CA. It has no income limit.

How do I apply for FHA 203(k) Rehabilitation Mortgage in San Diego, CA?

Apply directly with Federal Housing Administration (HUD) using the official program link on this page or call 1-800-CALL-FHA. There is no middleman and no fee.

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