Eligible FHA 203k Home Improvements
Every home has potential, but not every homeowner has the budget to unlock it—until now. The FHA 203(k) loan is like a toolbox for your imagination, combining the power of home renovation with the ease of financing in one package. Imagine transforming a tired old kitchen into a modern chef’s paradise, turning a leaky basement into a cozy rental suite, or creating an eco-friendly oasis powered by solar energy. Whether you're dreaming big or simply addressing essential repairs, this loan doesn’t just cover the basics—it gives you the green light to dream. Ready to see what’s possible? Let’s explore the many ways the FHA 203(k) can help
Download Your FHA 203K GUIDE
Get instant answers to your FHA 203K Loan Questions!
Repairs and Renovations Covered by an FHA 203(k) Loan
Structural Repairs
When it comes to essential structural fixes, the FHA 203(k) loan covers the following:
- Foundation repair or replacement
- Fixing or replacing load-bearing walls
- Roof repair or replacement (shingles, tiles, etc.)
- Repairing structural damage caused by termites or other infestations
- Fixing damaged chimneys or fireplaces
- Repairing or replacing floors, including subflooring
Energy Efficiency Upgrades
Improve your home’s energy efficiency with these eligible upgrades:
- Installing energy-efficient windows or doors
- Adding insulation to walls, attics, or basements
- Upgrading heating, ventilation, and air conditioning (HVAC) systems to energy-efficient models
- Installing energy-efficient lighting systems
- Installing solar panels or solar water heaters
- Adding energy-efficient appliances (dishwashers, refrigerators, washing machines)
Home Accessibility Improvements
Enhance accessibility to make your home more livable for all:
- Adding ramps or widening doorways for wheelchair access
- Installing grab bars and handrails for safety
- Lowering countertops for easier access
- Installing stair lifts or accessible showers
- Converting a room or bathroom to increase accessibility for disabled individuals
Modernizing the Home
From kitchens to bathrooms, these upgrades can give your home a modern touch:
- Remodeling the kitchen (new cabinets, countertops, appliances, flooring)
- Bathroom upgrades (new fixtures, tiles, vanities, toilets)
- Installing hardwood, tile, or laminate flooring throughout the home
- Adding or expanding closet space
- Replacing old plumbing or electrical wiring
- Installing modern lighting fixtures (recessed lighting, chandeliers, smart lighting)
Room Additions and Expansions
Expand your living space with these room addition projects:
- Adding a new bedroom, bathroom, or home office
- Expanding the kitchen or living room
- Adding a second story to a single-level home
- Converting a garage or attic into a living space
- Building a sunroom or enclosed porch
Safety and Health Repairs
Make your home safer and healthier with:
- Lead paint removal or asbestos abatement
- Mold remediation and basement waterproofing
- Upgrading or installing smoke detectors and carbon monoxide detectors
- Installing or repairing fire sprinklers
- Removing or mitigating environmental hazards
Outdoor and Exterior Improvements
Boost curb appeal and outdoor living with these improvements:
- Replacing siding, stucco, or brickwork
- Installing or repairing decks, patios, or porches
- Repairing or replacing windows and doors
- Enhancing curb appeal (walkways, driveways)
- Installing or repairing fences or walls
- Adding exterior lighting (security lights)
- Replacing or repairing gutters and downspouts
System Upgrades
Update your home’s essential systems with:
- Electrical panel upgrades and rewiring
- Upgrading or replacing plumbing systems (septic tanks, sewer lines)
- Installing or replacing HVAC systems (furnaces, central air units, water heaters)
- Adding home automation systems (thermostats, security systems, smart locks)
Basement and Attic Renovations
Maximize your home’s space with basement or attic improvements:
- Waterproofing or finishing a basement
- Converting a basement into a family room, bedroom, or home gym
- Adding a bathroom or kitchenette to a basement
- Converting an attic into a bedroom, office, or playroom
- Adding insulation and flooring to make an attic more usable
Exterior Enhancements
Consider these exterior updates for added function and style:
- Repairing or replacing a driveway
- Repairing or replacing a garage or carport
- Repairing swimming pools (only repairs or removal)
- Repairing fences or walls
Appliance Upgrades
Update your home’s functionality with new appliances:
- Replacing outdated or broken kitchen appliances (stove, refrigerator, dishwasher)
- Installing energy-efficient washers and dryers
- Adding built-in appliances (microwaves, range hoods, water softeners)
- Installing tankless water heaters
Have Questions? Ready To Get Started?
Creative Ideas to Inspire You
Create a Modern, Open-Concept Living Area
Open up your home by knocking down walls to create a more spacious and airy layout. This not only gives you more room for entertaining but also makes everyday family time feel more connected.
Update an Outdated Kitchen
Refresh your kitchen by replacing old appliances with energy-efficient models. Consider installing new cabinets, countertops, and backsplash to give the space a sleek, modern look with the latest finishes.
Turn Your Basement into a Rental Suite
If local regulations allow, transform your basement into a rental suite. With the addition of a kitchenette and bathroom, you can create a separate living space that generates rental income.
Design a Home Office
With remote work becoming more common, converting an unused room into a fully functional home office is a smart way to make your home more efficient and suited to your needs.
Upgrade for Sustainability
Make your home greener by installing solar panels, energy-efficient appliances, or eco-friendly materials. These upgrades reduce both your carbon footprint and your energy bills—an investment in the future.
Create a Bathroom Oasis
Transform your bathroom into a spa-like retreat with a walk-in shower, an oversized tub, non-slip flooring, and attractive double vanities. It’s the perfect way to combine relaxation with functionality.
Maximize Closet Space
Improve organization by installing closet organizers and shelving systems in bedrooms, mudrooms, or entryways. These custom solutions can significantly increase your storage capacity and efficiency.
Boost Your Home’s Curb Appeal
Give your home exterior a fresh look by repairing old siding or brickwork, fixing cracked sidewalks, or replacing drafty doors. These upgrades not only improve curb appeal but also enhance your home’s structural integrity.
Address Safety Concerns
If your home has outdated wiring or plumbing systems, the FHA 203(k) loan can help cover safety upgrades. Replacing these systems with modern versions improves both safety and long-term value by ensuring compliance with building codes.
Add Accessibility Features
Make your home more comfortable for aging family members or those with disabilities by adding accessibility features. Consider installing ramps, widening doorways, or modifying bathrooms to create a more inclusive living environment.
Create a Multi-Generational Home
Accommodate your growing family by adding an in-law suite or upgrading an area of the home for an older relative. This creates a welcoming, comfortable space for multiple generations to live together while maintaining privacy.
When it comes down to it, the FHA 203(k) loan is a great way to turn your home improvement goals into reality. Whether you’re tackling essential repairs, upgrading for energy efficiency, or giving your home a modern touch, this loan makes it easier to create the space you’ve always envisioned. With so many possibilities, it’s time to start thinking about how you can transform your house into the perfect home for you and your family.
