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FHA 203(k) Renovation

FHA 203(k) Renovation is a loan program (purchase + renovation in one loan) from HUD / FHA. Available statewide. Up to 96.5% toward a home purchase. First-time buyer status is not required. Income limit: No limit.

Up to 96.5%
Listed as open as of May 2026

Available statewide.

First-time buyerNot required
Income limitNo limit
Minimum credit score580
Maximum DTI43%
OccupationsStatewide
Property typesSFR 1-4, PUD, condo (limited)
OccupancyOwner-occupied primary
Eligible loan productsFHA
Sales price capFHA county limit
RepaymentN/A, first mortgage; rolls in rehab costs $5k-$35k (Limited) or unlimited (Standard)
StackingLayers with DPA (varies by state)
NotesTwo flavors: Limited (≤$35k cosmetic) and Standard (structural).
Source HUD / FHA·official program page·Listed
Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.

Provider: HUD / FHA · program details at the provider’s site.

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