Government programs can make home repairs and renovations more affordable. Find out if you are eligible for home improvement loans and learn how to apply.
Important
The federal government does not offer "free money" to individuals to repair or improve their homes. Websites and ads claiming to offer "free money from the government" are often scams.
Who qualifies for home repair and improvement assistance
The Department of Housing and Urban Development (HUD) offers loan and assistance programs for home repairs and improvements. Eligibility requirements vary for each program. Your eligibility may depend on:
- Your income level
- Your age
- The type of property you own and want to repair
- Where your property is located
Some home repair and improvement programs are available for specific audiences, including:
- Native Americans
- Veterans and service members
- Rural residents
Types of loans for home improvement
HUD home improvement loan programs can help with home repairs and improvements. Some programs are available nationwide, while others are only available at the state or county level.
HUD Title 1 property improvement loan program
You can use HUD Title 1 property improvement loans for remodeling your property, repairs, or other improvements. This program offers loan amounts and repayment terms based on the type of property you have.
Learn more about requirements for HUD Title 1 loans and how to apply.
203(k) rehabilitation mortgage insurance program
The 203(k) rehabilitation mortgage insurance program lets homebuyers and owners finance up to $35,000 into their mortgage. You can use these funds for home repairs or improvements.
Learn more about the 203(k) rehabilitation mortgage insurance program.
Home Equity Conversion Mortgages for seniors
Homeowners over age 62 may qualify for a type of home loan known as reverse mortgages. The Home Equity Conversion Mortgage (HECM) program is the only reverse mortgage insured by the government.
The HECM lets you withdraw some of your home’s equity to use for home maintenance, repairs, or living expenses.
Local and state government loan programs
Your local or state government may offer loans or home repair programs.
Find your local government website or your state website. Search for its housing department to learn about programs in your community.
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Find more government programs that can help during tough financial times.
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