FHA Title I Property Improvement Loan

Federal Housing Administration (HUD)

Available Home Repair

About This Program

FHA Title I Property Improvement Loan is available to homeowners and renters in San Diego, CA.

HUD's FHA Title I Property Improvement Loan program allows homeowners and long-term renters to borrow for home improvements through FHA-approved lenders, with loans up to $25,000 for single-family homes. Loans under $7,500 are unsecured. Title I loans can be used for any permanent improvement that makes the home more livable and useful, not for luxury items. Credit requirements vary by lender.

Must use FHA-approved Title I lender; loans under $7,500 unsecured (no equity required); primary residence required; no strict income limit but lender sets credit requirements

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 San Diego, CA, you can stack it with local programs like these:

Key Details

  • Borrow up to $25,000 for home improvements through FHA-approved lenders
  • Loans under $7,500 require no collateral (unsecured)
  • No strict income limit, lender determines credit eligibility
  • Cannot be used for luxury items; must be permanent improvements
  • Find approved lenders 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

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: Rolling

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Frequently asked questions

How much can FHA Title I Property Improvement Loan provide in San Diego, CA?

Up to $25,000 for single-family; no collateral required up to $7,500.

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

FHA Title I Property Improvement Loan is open to homeowners and renters in San Diego, CA. It has no income limit.

How do I apply for FHA Title I Property Improvement Loan 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.

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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