FHA 203K Program: What Improvements are you Allowed to Make?

The FHA 203K Program allows homeowners to make repairs, improvementsmodifications and upgrades  that increase the value of their current home or a home they are purchasing.  Several times I have been asked what improvements are allowed under the 203K program.  This program is not intended to provide funds for what HUD may consider luxury items such as a new pool/spa/jacuzzi or a gazebo or outdoor kitchens but this program does allow for many improvements that do allow a home do drastically improve in value, comfort and livability.  

       Some of the most common FHA 203K Eligible Improvements are as follows...

  • Repair and Replacement/upgrade of plumbing and electrical systems

  • Repair and Replacement of flooring

  • Repair and Replacement/upgrade of existing HVAC systems

  • Repair and Replacement of gutters, downspouts and roofs 

  • Kitchen remodeling

  • Exterior and Interior Painting

  • Weatherization : this includes weather stripping,insulation, storm windows and doors, etc.

  • Purchase and installation of new appliances, including : free standing ranges, refrigerators, washers, dryers, dishwashers and microwaves

  • Accessibility improvements and upgrades for persons with disabilities

  • Energy Efficient upgrades (windows, insulation, solar systems, etc.)

  • Mold Removal and Remediation

  • Lead based paint stabilization and/or abatement of lead-based paint hazards

  • Repair, Replace or Add exterior patios, decks, porches

  • Basement finishing, basement remodeling and basement waterproofing

  • Window and door replacements

  • Exterior wall siding

  • Septic system repair or replacement

  • Well repair or replacement

  • Structural repairs and modifications ( includes moving walls, repairing foundations, etc.)

If you have questions about whether a particular improvement would be eligible for the FHA 203K program, just let us know.