FHA Title I Home Improvement Loan
U.S. Department of Housing and Urban Development (HUD) / FHA-approved lenders
About This Program
The Grant Map catalogs FHA Title I Home Improvement Loan in its Jacksonville, FL research directory. The record carries audience tags for homeowners; those tags do not establish eligibility or current service coverage.
FHA Title I loans are federally insured home improvement loans available to homeowners who may not have sufficient equity for a conventional loan. Loans up to $25,000 are available for single-family homes with terms up to 20 years, and no minimum credit score is required. Eligible improvements must be permanent and substantially protect or improve the basic livability or utility of the property. Jacksonville Housing Services maintains an updated list of approved local lenders.
Not a grant, a federally insured loan at market rates; no minimum credit score but credit check required; must have occupied home 90+ days
The cited program-specific URL responded on 2026-07-21; confirm current terms.
Record set last reviewed 2026-04-03. How we verify our data.
This is a national program. You can also review these local programs in Jacksonville, FL; confirm separately whether they can coordinate:
Key Details
- FHA-insured loan, not a grant; market interest rate applies
- Up to $25,000 for single-family homes over up to 20 years
- No minimum credit score; no home equity required
- Must occupy home as primary residence for 90+ days before applying
- Call 1-800-CALL-FHA (800-225-5342) or ask Jacksonville Housing Services for local lender list
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 Jacksonville.
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: Rolling, apply through FHA-approved lenders; contact Jacksonville Housing Services for lender list
Questions about this program?
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Frequently asked questions
What amount is listed for FHA Title I Home Improvement Loan in Jacksonville, FL?
The Grant Map record states: Up to $25,000 for single-family homes. Confirm the current amount and eligible costs with the administrator.
What audience tags are recorded for FHA Title I Home Improvement Loan in Jacksonville?
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 Jacksonville, FL?
Confirm the application route directly with U.S. Department of Housing and Urban Development (HUD) / FHA-approved lenders; use the cited source on this page as a starting point or call 800-225-5342. 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 Jacksonville, FL
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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