FHA Title I Home Improvement Loan
Federal (HUD/FHA)
About This Program
The Grant Map catalogs FHA Title I Home Improvement Loan in its Dayton, OH research directory. The record carries audience tags for homeowners; those tags do not establish eligibility or current service coverage.
FHA-insured loan for home improvements up to $25,000. Unsecured (signature only) up to $7,500, no equity required. Suitable for homeowners with little or no equity. Can stack with CDBG and other programs to fill funding gaps. Fixed interest rate; maximum 20-year term.
No equity required up to $7,500
The cited program-specific URL responded on 2026-07-21; confirm current terms.
Record set last reviewed 2026-04-01. How we verify our data.
This is a national program. You can also review these local programs in Dayton, OH; confirm separately whether they can coordinate:
Key Details
- Up to $25,000 for home improvements
- Up to $7,500 unsecured, no equity required
- Fixed interest rate; up to 20-year term
- Available through FHA-approved lenders
- Stackable with CDBG and grant programs
How to Apply
Some programs require contractor estimates, licenses, or inspections. A cited link may be general, so confirm the current rules with the administrator before hiring; a directory match does not guarantee contractor eligibility or funding.
You may need a contractor or estimate
Some programs for this project type ask for a license, inspection, or written estimate. Confirm the rule before contacting a contractor in Dayton.
Get matched with a contractorEach administrator sets its contractor rules. Confirm exact requirements directly; the cited URL may be a general agency page.
Your application paperwork
Form to file: HUD Form 56001 (Credit Application for Property Improvement Loan)
The FHA Title I program lets you borrow to repair or improve a home, with HUD insuring the loan a private lender makes. It funds alterations, repairs, and site improvements that protect or improve the home's basic livability. You apply through a HUD-approved Title I lender; loans above 7,500 dollars are secured by the home, and there is no prepayment penalty.
Steps to apply
- Find a HUD-approved Title I lender (a HUD-approved housing counselor at 800-569-4287 can help you locate one).
- Plan your improvement project and get contractor estimates.
- Complete the lender's credit application for a property improvement loan (HUD Form 56001).
- The lender underwrites and closes the loan, then funds the improvements.
Documents you will likely need
- Proof you own and occupy the home.
- Proof of income and your credit information (the lender pulls credit).
- Contractor estimates and a description of the planned improvements.
- The completed property improvement loan credit application (HUD Form 56001).
Requirements vary by program and locality. Confirm the exact rules and application route with the administrator. We can help you prepare your paperwork, but you submit it yourself.
Deadline: Year-round through FHA-approved lenders
Questions about this program?
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Frequently asked questions
What amount is listed for FHA Title I Home Improvement Loan in Dayton, OH?
The Grant Map record states: Up to $25,000 (unsecured up to $7,500). Confirm the current amount and eligible costs with the administrator.
What audience tags are recorded for FHA Title I Home Improvement Loan in Dayton?
The directory record carries audience tags for homeowners. It also carries a no-income-limit tag. These tags do not establish eligibility; confirm the complete current rules with the administrator.
How do I apply for FHA Title I Home Improvement Loan in Dayton, OH?
Confirm the application route directly with Federal (HUD/FHA); use the cited source on this page as a starting point or call 800-569-4287. Confirm any fee or cost with the administrator.
Need a Contractor for This Project?
Browse local listings or request an introduction. The Grant Map does not guarantee licensing, program experience, work quality, or funding.
More ways to save on this project
Rebates and discounts that may reduce project cost. Confirm eligibility and coordination rules before including one in your budget.
Find More Programs in Dayton, OH
This is one of several kinds of assistance that may be available. Review other programs separately and confirm whether their administrators allow coordination for the same work.
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