FHA 203(k) Rehabilitation Loan

Federal Housing Administration

Available Home Repair

About This Program

FHA 203(k) Rehabilitation Loan is available to homeowners in Santa Ana, CA.

FHA-insured mortgage that combines home purchase or refinance with rehabilitation costs in a single loan for Santa Ana properties. Allows buyers to finance needed repairs and improvements, making fixer-uppers more accessible. Available through FHA-approved lenders.

Loan amount based on after-improvement value; estimate for typical rehab

Verified against Federal Housing Administration's official page on 2026-06-17.

Data last verified 2026-05-25. How we verify our data.

This is a national program. In Santa Ana, CA, you can stack it with local programs like these:

Key Details

  • Single loan for purchase + repairs
  • Available for Santa Ana properties
  • FHA-insured, low down payment options
  • Covers major repairs and modernization
  • Apply through FHA-approved lenders

How to Apply

Get free help applying Visit Official Program Page Track this program

(800) 225-5342

A grant-savvy contractor in Santa Ana, 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 Santa Ana 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: Available through approved lenders year-round

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

Who qualifies for FHA 203(k) Rehabilitation Loan in Santa Ana?

FHA 203(k) Rehabilitation Loan is open to homeowners in Santa Ana, CA. It has no income limit.

How do I apply for FHA 203(k) Rehabilitation Loan in Santa Ana, CA?

Apply directly with Federal Housing Administration 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 Santa Ana, CA contractors

Find More Programs in Santa Ana, CA

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

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