FHA-203K-LOAN

FHA 203K LOANS MADE SIMPLE!

Buy It, Fix It, ❤️ Love It!

Found the perfect fixer-upper? Get help turning it into your dream home with one powerful loan – and connect directly with the lender who can make it happen.

 FIND A 203K LENDER FOR YOUR AREA

WHAT IS AN FHA 203K LOAN?

Ever Found A Home That Just Needs a Little Love? 

That’s where the 203K loan comes in.


The FHA 203K loan lets you combine the cost of buying a home and fixing it up into one simple mortgage. Whether you're a first-time buyer, refinancing a place you already love, or upgrading a fixer with potential — this loan helps make it happen.


Instead of juggling multiple loans or draining your savings, you roll everything into one monthly payment. Simple, smart, and backed by the FHA.

Before 203K Renovation

After 203K Renovation

Ever Found A Home That Just Needs a Little Love? 

That’s where the 203K loan comes in.


The FHA 203K loan lets you combine the cost of buying a home and fixing it up into one simple mortgage. Whether you're a first-time buyer, refinancing a place you already love, or upgrading a fixer with potential — this loan helps make it happen.


Instead of juggling multiple loans or draining your savings, you roll everything into one monthly payment. Simple, smart, and backed by the FHA.

A Home Owners Guide to the FHA 203K Loan

Get The 203k Loan Info You Need!  

FHA 203K GUIDE

Download Your FHA 203K GUIDE 

Get instant answers to your FHA 203K Loan Questions!

Get Access Now!

TWO TYPES OF 203K LOANS

FHA-203K-Loan-Application

Which One Is Right for You?

The FHA 203K loan comes in two types: Standard and Limited (formerly known as Streamline).


They both let you roll renovation costs into your mortgage — the difference is how big the project is and whether it’s structural.

Not Sure Which 203K Loan Fits Your Fixer-Upper Goals? 

Here’s a quick breakdown to help you decide — and yes, your lender for your state can help with both.

Feature

Standard 203K

Limited 203K

Project Scope

Major or structural renovations

Cosmetic/non-structural only

Renovation Budget

Up to FHA loan limit

Up to $35,000

Consultant Required?

✅ Yes (HUD consultant)

❌ Not required

Examples

Room additions, foundation, structural improvements

Paint, flooring, kitchen & bathroom remodel

Appraisal Process

Based on after-renovation value

Same

Time to Close

12 months

9 months

Good Fit For

Major overhauls, bigger & larger projects

Quick updates, light fixer-uppers

PROJECT SCOPE

Standard 203K: 
Major or structural renovations

Limited 203K:
Cosmetic & non-structural

RENOVATION BUDGET

Standard 203K: 
Up to FHA loan limit

Limited 203K:
Up to $75,000

CONSULTANT REQUIRED

Standard 203K: 
✅ Yes (HUD consultant)

Limited 203K:
❌ Not required

TYPICAL PROJECTS

Standard 203K: 
Room additions, foundation, structural improvements

Limited 203K:
Paint, flooring, kitchen & bathroom remodel

Enter your text here...

APPRAISAL PROCESS

Standard 203K: 
Longer & Larger projects

Limited 203K:
Shorter and Simpler improvements

TIME TO CLOSE

Standard 203K: 
12 Months

Limited 203K:
9 Months

BEST FOR:

Standard 203K: 
Overhauls & Larger Projects

Limited 203K:
Quick updates, light fixer-uppers

Have A Project In Mind? See If It Qualifies!

Talk To A 203K Lender About Your 203K Project

Do You Qualify For An FHA 203K Loan?

If you’ve got decent credit, a small down payment saved, and a home that needs some love — there’s a good chance you’re already on the right track.


Here’s a breakdown of what most lenders are looking for:

✅ Credit Score -  Most lenders require at least a 620 FICO score (some may go lower)

✅ Down Payment -  Just 3.5% down based on the total loan amount including renovations

✅ Property Type -  Must be a 1–4 unit property you plan to live in (no flips or second homes)

✅ Loan Limit - Renovation + purchase total must stay within FHA loan limits for your county

✅ Contractor Use -  You’ll need to hire a licensed contractor — DIY on a case by case basis

✅ HUD Consultant -  Required for Standard 203K projects (they help oversee the reno budget)

✅ Project Timeline -  Renovations must start within 30 days of closing and finish within 9 to 12 months

Tip: Don’t worry if you’re not sure where you stand — The free guide & tools can help Or just chat with a 203k lender who knows this stuff inside and out.

Ready to Renovate? Contact Your 203K Loan Expert.

Get the FHA 203K Loan Info You Need to Start!

Send your message, to your lender for your area.

Download Your FHA 203K Guide

How The FHA 203K Loan Process Works (Step By Step)

Getting a 203K loan might sound complicated — but it’s really just a few extra steps to make sure your project is safe, affordable, and set up to succeed.  Here’s what it usually looks like:

step 1

Get Pre-Qualified with a 203K Lender

Talk to an experience lender who actually handles 203K loans. They’ll review your income, credit, and goals.

step 2

Find a Fixer-Upper You Love

Pick a property that fits within FHA guidelines and your budget. You don’t need a perfect house — that’s the point.

step 3

Get Contractor Bids

Work with a licensed contractor to plan out the repairs. You’ll need a detailed bid (and a HUD consultant if it’s a Standard 203K).

step 4

Lender Reviews Your Reno Plan

They’ll check that the project is doable, meets FHA guidelines, and makes sense financially.

step 5

Appraisal + Loan Approval

An FHA appraiser looks at the after-renovation value of the home. If it checks out, you’re good to go.

step 6

Close the Loan, Start Renovating!

After closing, renovation funds are held in escrow and released as the work gets done. You’ll need to start within 30 days and finish within 9 to 12 months.

Need Help Figuring Out Your Next Step?

Let's plan your next step together

What Can You Renovate With An FHA 203K Loan?

Short answer? A lot more than you think.  If it makes your home safer, livable, more energy efficient, or just… not stuck in 1982 — it probably qualifies.

Here’s a quick look at what’s usually allowed:

our Pick
FHA-203K-Home-Improvement

Eligible Renovations:

  • Kitchen and bathroom remodels
  • Flooring, tile, cabinets, appliances
  • Drywall, lighting, painting
  • HVAC, electrical, and plumbing updates
New-Home-Windows-FHA-203K-Approved

Structural + Exterior Work

  • Roof replacement
  • Foundation repair
  • Decks, porches, and siding
  • Energy-efficient windows and doors
Solar-Panals Approved For FHA 203K Loan

Accessibility & Energy

  • Wheelchair ramps and accessibility upgrades
  • Solar panels, insulation, energy-efficient upgrades

⛔ Not Allowed:  Sorry, some things are still off the table:

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  • Pools, hot tubs, BBQ pits
  • Landscaping (beyond basic repairs)
  • Luxury upgrades (like wine cellars or saunas)
  • Anything not permanently attached to the home
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  • Landscaping (beyond basic repairs)
  • Luxury upgrades (like wine cellars or saunas)
  • Anything not permanently attached to the home
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  • Luxury upgrades (like wine cellars or saunas)
  • Anything not permanently attached to the home
  • Luxury upgrades (like wine cellars or saunas)

    • ⛔ Not Allowed:  Sorry, some things are still off the table:

  • Pools, hot tubs, BBQ pits
  • Landscaping (beyond basic repairs)
  • Luxury upgrades (like wine cellars or saunas)
  • Anything not permanently attached to the home
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    • ⛔ Not Allowed:  Sorry, some things are still off the table:

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  • Luxury upgrades (like wine cellars or saunas)
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  • Anything not permanently attached to the home
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    • ⛔ Not Allowed:  Sorry, some things are still off the table:

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  • Anything not permanently attached to the home
  • Luxury upgrades (like wine cellars or saunas)

    • ⛔ Not Allowed:  Sorry, some things are still off the table:

  • Pools, hot tubs, BBQ pits
  • Landscaping (beyond basic repairs)
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  • Anything not permanently attached to the home
  • Anything not permanently attached to the home
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  • Anything not permanently attached to the home
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  • Anything not permanently attached to the home
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    • ⛔ Not Allowed:  Sorry, some things are still off the table:

  • Pools, hot tubs, BBQ pits
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  • Anything not permanently attached to the home
  • Anything not permanently attached to the home
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  • Luxury upgrades (like wine cellars or saunas)
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    • ⛔ Not Allowed:  Sorry, some things are still off the table:

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  • Anything not permanently attached to the home
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  • Pools, hot tubs, BBQ pits
  • Landscaping (beyond basic repairs)
  • Luxury upgrades (like wine cellars or saunas)
  • Anything not permanently attached to the home
  • Luxury upgrades (like wine cellars or saunas)

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  • Pools, hot tubs, BBQ pits
  • Landscaping (beyond basic repairs)
  • Luxury upgrades (like wine cellars or saunas)
  • Anything not permanently attached to the home
  • Anything not permanently attached to the home
  • Luxury upgrades (like wine cellars or saunas)

    • ⛔ Not Allowed:  Sorry, some things are still off the table:

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    • ⛔ Not Allowed:  Sorry, some things are still off the table:

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  • Anything not permanently attached to the home
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    • ⛔ Not Allowed:  Sorry, some things are still off the table:

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  • Landscaping (beyond basic repairs)
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  • Anything not permanently attached to the home
  • Luxury upgrades (like wine cellars or saunas)

    • ⛔ Not Allowed:  Sorry, some things are still off the table:

  • Pools, hot tubs, BBQ pits
  • Landscaping (beyond basic repairs)
  • Luxury upgrades (like wine cellars or saunas)
  • Anything not permanently attached to the home
  • Anything not permanently attached to the home
  • Anything not permanently attached to the home

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    ⛔ Not Allowed:  Sorry, some things are still off the table:

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  • Anything not permanently attached to the home
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  • Pools, hot tubs, BBQ pits
  • Landscaping (beyond basic repairs)
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  • Anything not permanently attached to the home
  • Anything not permanently attached to the home
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      • ⛔ Not Allowed:  Sorry, some things are still off the table:

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    • Landscaping (beyond basic repairs)
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    • Anything not permanently attached to the home
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    • Anything not permanently attached to the home
    • Luxury upgrades (like wine cellars or saunas)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
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    • Anything not permanently attached to the home
    • Anything not permanently attached to the home

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

      ⛔ Not Allowed:  Sorry, some things are still off the table:

      ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
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      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
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      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Luxury upgrades (like wine cellars or saunas)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
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    • Anything not permanently attached to the home
    • Anything not permanently attached to the home
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      • ⛔ Not Allowed:  Sorry, some things are still off the table:

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      • ⛔ Not Allowed:  Sorry, some things are still off the table:

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    • Anything not permanently attached to the home
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    • Anything not permanently attached to the home
    • Luxury upgrades (like wine cellars or saunas)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Anything not permanently attached to the home
    • Landscaping (beyond basic repairs)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

      ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Pools, hot tubs, BBQ pits

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Landscaping (beyond basic repairs)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Luxury upgrades (like wine cellars or saunas)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Anything not permanently attached to the home
    • Luxury upgrades (like wine cellars or saunas)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

      ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Pools, hot tubs, BBQ pits

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Landscaping (beyond basic repairs)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Luxury upgrades (like wine cellars or saunas)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Anything not permanently attached to the home
    • Anything not permanently attached to the home

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

      ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Pools, hot tubs, BBQ pits

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Landscaping (beyond basic repairs)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Luxury upgrades (like wine cellars or saunas)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Anything not permanently attached to the home
    • Landscaping (beyond basic repairs)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

      ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Pools, hot tubs, BBQ pits

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Landscaping (beyond basic repairs)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Luxury upgrades (like wine cellars or saunas)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Anything not permanently attached to the home

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

      ⛔ Not Allowed:  Sorry, some things are still off the table:

      ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Pools, hot tubs, BBQ pits

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Landscaping (beyond basic repairs)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Luxury upgrades (like wine cellars or saunas)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Anything not permanently attached to the home
    • Pools, hot tubs, BBQ pits

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

      ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Pools, hot tubs, BBQ pits

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Landscaping (beyond basic repairs)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Luxury upgrades (like wine cellars or saunas)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Anything not permanently attached to the home
    • Landscaping (beyond basic repairs)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

      ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Pools, hot tubs, BBQ pits

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Landscaping (beyond basic repairs)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Luxury upgrades (like wine cellars or saunas)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Anything not permanently attached to the home
    • Luxury upgrades (like wine cellars or saunas)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

      ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Pools, hot tubs, BBQ pits

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Landscaping (beyond basic repairs)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Luxury upgrades (like wine cellars or saunas)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Anything not permanently attached to the home
    • Anything not permanently attached to the home

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

      ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Pools, hot tubs, BBQ pits

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Landscaping (beyond basic repairs)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Luxury upgrades (like wine cellars or saunas)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Anything not permanently attached to the home
    • Luxury upgrades (like wine cellars or saunas)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

      ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Pools, hot tubs, BBQ pits

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Landscaping (beyond basic repairs)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Luxury upgrades (like wine cellars or saunas)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Anything not permanently attached to the home

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

      ⛔ Not Allowed:  Sorry, some things are still off the table:

      ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Pools, hot tubs, BBQ pits

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Landscaping (beyond basic repairs)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Luxury upgrades (like wine cellars or saunas)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Anything not permanently attached to the home
    • Pools, hot tubs, BBQ pits

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

      ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Pools, hot tubs, BBQ pits

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Landscaping (beyond basic repairs)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Luxury upgrades (like wine cellars or saunas)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Anything not permanently attached to the home
    • Landscaping (beyond basic repairs)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

      ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Pools, hot tubs, BBQ pits

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Landscaping (beyond basic repairs)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Luxury upgrades (like wine cellars or saunas)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Anything not permanently attached to the home
    • Luxury upgrades (like wine cellars or saunas)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

      ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Pools, hot tubs, BBQ pits

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Landscaping (beyond basic repairs)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Luxury upgrades (like wine cellars or saunas)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Anything not permanently attached to the home
    • Anything not permanently attached to the home

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

      ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Pools, hot tubs, BBQ pits

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Landscaping (beyond basic repairs)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Luxury upgrades (like wine cellars or saunas)

      • ⛔ Not Allowed:  Sorry, some things are still off the table:

    • Pools, hot tubs, BBQ pits
    • Landscaping (beyond basic repairs)
    • Luxury upgrades (like wine cellars or saunas)
    • Anything not permanently attached to the home
    • Anything not permanently attached to the home
    • Anything not permanently attached to the home

    Have A Project In Mind? Let’s See If It Qualifies!

    Confirm if your project qualifies

    FHA 203K Loan FAQ's

    Who actually gets my contact info when I fill out the form?

    Just the lender you see on the page. No call centers. No lead reselling. No mystery contacts.

    Can I use a 203K loan to flip a house?

    Nope — this is for primary residences only. You must plan to live in the home after renovations.

    How long does it take to close a 203K loan?

    Most take 45 to 60 days, depending on the contractor bids and how fast your paperwork comes together.

    What if my renovation project goes over budget?

    FHA loans include a contingency fund — a little cushion for surprises. But major overruns could be a problem, so planning matters.

    Can I do the renovations myself?

    Only if you’re a licensed contractor — otherwise, nope. FHA wants pros on the job to protect your investment.

    What happens if the house doesn’t appraise high enough after renos?

    The loan is based on the expected future value of the home after renovations. If it falls short, the project might need scaling back.

    What’s the difference between FHA 203K and Fannie Mae HomeStyle?

    They’re similar, but 203K is FHA-backed (better for lower credit/down payments). HomeStyle is a conventional loan with different rules.

    How do draws work? Do contractors get paid all at once?

    Nope — funds are released in draws as work gets completed and inspected. This keeps everyone honest and on track.

    Ready To Start Your FHA 203K Loan?

    Find An FHA 203K Loan Specialist Near You!

    Easily connect with lenders who specialize in FHA 203K loans

    203k Lender Directory

    Search By State

    Free Tools to Help You Get Started

    Whether you're still learning or ready to talk to a lender, these tools will help you move forward with confidence.

    FHA-203K-CALCULATOR

    FHA 203K Loan Calculator

    Estimate how much you might qualify for — and how renovation costs affect your loan.

    . . . Try the Calculator

    FHA-203K-LOAN-LIMITS

    FHA 203K Loan Limits

    See what the max FHA loan amount is in your county — instantly.

    . . . View Loan Limits by State

    FREE-FHA-203K-DOWN-PAYMENT-ESTIMATOR

    203K Down Payment Estimator

    Estimate your FHA 203K Down Payment based on your project

    . . . Try the Estimator

    203K Loan Blog Articles

    What Is an FHA 203(k) Loan and How Does It Work?

    What Are Income Requirements For An FHA 203k Loan?

    How to Overcome FHA 203k Loan Disadvantages and Limitations

    FHA 203K Closing Costs

    FHA 203(k) Limited (AKA Streamline) Loan Boosts Renovation Budget to $75,000

    FHA 203(k) Ineligible and Not Allowed Upgrades

    Eligible FHA 203k Home Improvements

    Buying a Fixer-Upper? A 10-Step Guide to FHA 203K Loans

    Not Sure Where To Start?

    Whether you have questions and want to contact a 203K Specialist directly or just need more info to see if  the FHA 203K Loan is a good fit, we make it easy!

    Not ready to connect? No Problem, Download the 203K Guide

    FHA 203K LOANS Available Near You

    FHA-203K-Lender-Map

    FHA 203K LOANS Available Near You

    No matter where you are in the U.S., there’s a 203K lender ready to help. From California to Florida, big cities to small towns.

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    Make It Happen!

    You’ve got the info. You’ve got the vision. Now connect with the right lender and make your dream renovation a reality.

    Still Have Questions? Send a Quick Message!

    Connect you directly with a 203K loan expert for your area

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