Standard FHA 203K guidelines

Eligible Properties

  • 1-4 family primary residence

HUD owned properties (single family only) are allowed

For properties recently built, must have Certificate of Occupancy for at least one year.

Condominiums, PUDs and Manufactured home are NOT eligible

Eligible Improvements


roofs & gutters

heating and a/c units

plumbing and electrical systems



windows,  doors & siding

septic systems


exterior and interior paint

Other Repairs you can do with a standard 203k loan

Weatherization: including storm windows and doors, insulation, weather stripping, etc.

Improvements for accessibility for person with disabilities

Lead based paint stabilization or abatement of lead based paint hazards

Basement refinishing and remodeling, which does not involve structural repairs

Basement waterproofing

Major rehabilitation or major remodeling, such as the relocation of a load-bearing wall

New construction (including room additions)

Repair of structural damage

Repairs requiring detailed drawings or architectural exhibits

Repair or removal of an in-ground swimming pool

Install smoke detectors

Detached garages if there is no attached garage

Conversion to decrease number of units

Site improvements, landscaping, patio’s, decks and terraces allowed but must increase the as-is value equal to

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