U.S. Department of Housing and Urban Development (HUD) / FHA-approved lenders
FHA 203(k) Rehabilitation Mortgage is available to homeowners in San Jose, CA.
The FHA 203(k) loan allows homeowners to finance both a home purchase (or refinance) and renovation costs in a single mortgage with a minimum 3.5% down payment. The Limited 203(k) covers up to $75,000 in repairs; the Standard 203(k) handles major structural work. FHA loan limits in the San José high-cost area reach up to $1,249,125. This is a loan product, not a grant, but enables home improvement financing at favorable FHA rates.
Typical limited rehab loan for moderate repairs
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 Jose, CA, you can stack it with local programs like these:
A grant-savvy contractor in San Jose, 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 Jose 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, available through FHA-approved lenders
Ask us. It is free, and a real person answers within a business day.
Email us about this programLimited 203(k) up to $75,000; Standard 203(k) for larger projects.
FHA 203(k) Rehabilitation Mortgage is open to homeowners in San Jose, CA. It has no income limit.
Apply directly with U.S. Department of Housing and Urban Development (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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