FHA 203(k) Rehab Mortgage

Federal (HUD/FHA)

Available Home Repair

About This Program

FHA 203(k) Rehab Mortgage is available to homeowners in St. Louis, MO.

Finance home purchase + renovation in one FHA-insured loan. Limited 203(k) covers up to $75,000 non-structural repairs (cosmetic, HVAC, roof, appliances). Standard 203(k) for major structural work. Available from FHA-approved lenders in St. Louis. HUD allows layering with CDBG down payment assistance.

Purchase + renovate in one loan

Verified against Federal (HUD/FHA)'s official page on 2026-06-17.

Data last verified 2026-04-01. How we verify our data.

This is a national program. In St. Louis, MO, you can stack it with local programs like these:

Key Details

  • Limited 203k: up to $75,000 non-structural
  • Standard 203k: major structural, no cap
  • Available from FHA-approved lenders in St. Louis
  • Can layer with CDBG down payment assistance

How to Apply

Get free help applying Visit Official Program Page Track this program

A grant-savvy contractor in St. Louis, MO 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 St. Louis 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: Year-round through FHA lenders

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) Rehab Mortgage provide in St. Louis, MO?

Up to $75,000 (limited 203k).

Who qualifies for FHA 203(k) Rehab Mortgage in St. Louis?

FHA 203(k) Rehab Mortgage is open to homeowners in St. Louis, MO. It has no income limit.

How do I apply for FHA 203(k) Rehab Mortgage in St. Louis, MO?

Apply directly with Federal (HUD/FHA) using the official program link on this page. 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 St. Louis, MO contractors

Find More Programs in St. Louis, MO

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

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