FHA 203(k) Rehabilitation Mortgage

HUD / FHA, available through approved lenders

Available Home Repair

About This Program

FHA 203(k) Rehabilitation Mortgage is available to homeowners in Washington, DC.

The FHA 203(k) loan allows homebuyers and owners to finance both the purchase (or refinance) and rehabilitation of a property in a single mortgage. The Streamlined 203(k) covers repairs of $5,000-$35,000; the Standard 203(k) handles major structural work. DC contractors must be DC-licensed. Requires minimum 3.5% down payment and 580+ credit score. Repairs must be completed within 6 months of closing.

Streamlined version supports up to $35,000 in rehabilitation costs; estimate reflects common scope.

Verified against HUD / FHA, available through approved lenders's official page on 2026-06-17.

Data last verified 2026-04-03. How we verify our data.

This is a national program. In Washington, DC, you can stack it with local programs like these:

Key Details

  • Bundles purchase/refinance + renovation into one loan
  • Streamlined: $5,000-$35,000 rehab; Standard: major structural
  • 580+ credit score and 3.5% down payment required
  • DC contractors must hold DC license
  • Repairs must be completed within 6 months of loan closing

How to Apply

Get free help applying Visit Official Program Page Track this program

(800) 225-5342

A grant-savvy contractor in Washington, DC 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 Washington 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

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

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

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

How do I apply for FHA 203(k) Rehabilitation Mortgage in Washington, DC?

Apply directly with HUD / FHA, available through approved lenders using the official program link on this page or call (800) 225-5342. There is no middleman and no fee.

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