HUD Title I Home Improvement Loan

HUD / FHA-approved lenders

Available Home Repair

About This Program

HUD Title I Home Improvement Loan is available to homeowners in Seattle, WA.

HUD's Title I Property Improvement Loan Insurance program enables FHA-approved lenders to make loans for home improvements without requiring home equity as collateral for amounts up to $7,500. Loans above $7,500 must be secured by the property. Maximum loan is $25,000 for single-family homes with a fixed negotiated interest rate. Improvements must protect or improve the basic livability of the property. No income limit; good credit and repayment ability required.

Loan amount up to $25,000; typical improvement loan for heating or roofing averages $10,000-$20,000.

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

  • FHA-backed loans up to $25,000 for home improvements
  • No home equity required for loans under $7,500
  • Fixed interest rate negotiated with lender
  • No income limit; good credit required
  • Find approved lenders 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.

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 Seattle 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).
  • A recent utility bill for the home (energy and weatherization programs use it to confirm service and usage).
  • 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

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 HUD Title I Home Improvement Loan provide in Seattle, WA?

Up to $25,000 for single-family homes.

Who qualifies for HUD Title I Home Improvement Loan in Seattle?

HUD Title I Home Improvement Loan is open to homeowners in Seattle, WA. It has no income limit.

How do I apply for HUD Title I Home Improvement Loan 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?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse Seattle, WA contractors

Find More Programs in Seattle, WA

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

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