FHA Title 1 Home Improvement Loan

Federal (HUD/FHA)

Available Home Repair

About This Program

FHA Title 1 Home Improvement Loan is available to homeowners in St. Louis, MO.

HUD-insured home improvement loan up to $25,000. No equity required. Unsecured up to $7,500 (signature only). For habitable improvements, not luxury. Works as gap-filler when grants don't cover everything. Available through participating FHA-approved lenders.

No equity required, signature loan up to $7,500

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

  • No equity required for loans up to $7,500
  • Up to $25,000 for habitable improvements
  • Not for luxury, safety, structural, energy focus
  • Available through FHA-approved lenders

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 Title 1 Home Improvement Loan provide in St. Louis, MO?

Up to $25,000.

Who qualifies for FHA Title 1 Home Improvement Loan in St. Louis?

FHA Title 1 Home Improvement Loan is open to homeowners in St. Louis, MO. It has no income limit.

How do I apply for FHA Title 1 Home Improvement Loan 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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