FHA 203(k) Rehabilitation Mortgage

HUD / FHA-approved lenders

Available Home Repair

About This Program

FHA 203(k) Rehabilitation Mortgage is available to homeowners in Seattle, WA.

FHA 203(k) rehabilitation mortgages allow homebuyers and existing homeowners to finance purchase and renovation costs in a single FHA-insured loan. The Limited 203(k) covers up to $75,000 in renovations; the Standard 203(k) handles larger structural projects with a $5,000 minimum. Requires a credit score of 580+ and a 3.5% down payment. No income limit applies. All work must be performed by licensed contractors.

Estimate based on a typical renovation scope of $50,000-$100,000 financed through the program.

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 Seattle, WA, you can stack it with local programs like these:

Key Details

  • Finance purchase price + renovation costs in one FHA loan
  • Limited 203(k): up to $75,000 in renovations
  • Standard 203(k): no cap on renovation; $5,000 minimum required
  • 3.5% down payment; credit score 580+; no income limit
  • Use HUD-approved lenders; find at hud.gov/lenders

How to Apply

Get free help applying Visit Official Program Page Track this program

1-800-CALL-FHA

A grant-savvy contractor in Seattle, WA can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

This grant requires a licensed contractor

This grant requires the work to be done by a licensed contractor, and you will likely need a written estimate to apply. Get a free estimate from a contractor in Seattle who knows grant paperwork.

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?

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 203(k) Rehabilitation Mortgage provide in Seattle, WA?

Up to FHA loan limit for King County (approx. $1,209,750 for 2026).

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

FHA 203(k) Rehabilitation Mortgage is open to homeowners in Seattle, WA. It has no income limit.

How do I apply for FHA 203(k) Rehabilitation Mortgage in Seattle, WA?

Apply directly with HUD / FHA-approved lenders 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?

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