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Federal Housing Agency’s 203(k) Rehabilitation Mortgage

Federal Housing Administration · Federal program

Finances renovations, repairs, or remodeling in one loan; no cap stated.

An FHA rehabilitation mortgage that can finance home purchases or refinances and roll renovations, repairs, or remodeling into one loan. The page says it can be used for structural repairs, major remodeling, and improvements that increase energy efficiency or help protect homes from natural disasters.

Last verified: August 22, 2026
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Program details

How it works

Maryland’s single-family homes page lists the 203(k) Rehabilitation Mortgage as a federal financing tool. It can be used to purchase a home or refinance a current mortgage while combining the cost of renovations, repairs, or remodeling into a single loan.

What it covers

The page says it can be used for a home that requires:

  • Structural repairs
  • Major remodeling
  • Improvements to increase energy efficiency
  • Improvements to help protect your home from natural disasters

Amounts and matching

  • No dollar cap or percentage is stated on the page.

How to apply

The page does not describe the application process.

Timing and deadlines

The page does not state a deadline.

Full eligibility details

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