Allowable Improvements under the FHA 203K Program

by Keith Landis on June 27, 2011

The FHA 203K Program allows homeowners to make repairs, improvements, modifications 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.)
* 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
* Stuctural repairs and modifications ( includes moving walls, repairing foundations, etc.)

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