FHA Title I Property Improvement Loan

HUD / FHA, available through approved lenders

Available Home Repair

About This Program

FHA Title I Property Improvement Loan is available to homeowners in Washington, DC.

FHA Title I loans allow homeowners to borrow up to $25,000 for home improvements without requiring equity in the home. Loans under $7,500 are unsecured. Improvements must substantially protect or improve livability. DC lenders offer fixed-rate loans at market rates with terms up to 20 years. No minimum credit score is required by FHA, though lenders may require 580-640. Debt-to-income ratio must be below 45%.

Using the published maximum of $25,000 for single-family homes.

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

  • Up to $25,000 loan, no equity required
  • Loans under $7,500 are unsecured (no foreclosure risk)
  • Fixed rate, up to 20-year term
  • No FHA minimum credit score; lenders may require 580+
  • Work with an FHA Title I approved lender in DC

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

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: Rolling, available through FHA-approved lenders

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can FHA Title I Property Improvement Loan provide in Washington, DC?

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

Who qualifies for FHA Title I Property Improvement Loan in Washington?

FHA Title I Property Improvement Loan is open to homeowners in Washington, DC. It has no income limit.

How do I apply for FHA Title I Property Improvement Loan 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.

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 Washington, DC contractors

Find More Programs in Washington, DC

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

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