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This FHA insured mortgage program, called the “Streamlined 203k” Limited Repair Program permits homebuyers to finance up to an additional $35,000 of repairs into their mortgage to purchase and improve or upgrade the home before move-in or to refinance an existing mortgage and add up to $35,000 in repairs or improvements. With this new product, homebuyers can quickly and easily tap into cash to pay for property repairs or improvements, such as those identified by a home inspector or FHA appraiser. Unlike the standard 203(k) program, any FHA approved lender may originate a Streamlined 203k mortgage.
The following repairs can be financed with this program:
Repair/Replacement of existing flooring
Minor remodeling, such as kitchens, which does not involve structural repairs
Exterior and interior painting
Weatherization: including storm windows and doors, insulation, weather stripping, etc.
Purchase and installation of appliances, including free-standing ranges, refrigerators, washers/dryers, dishwashers and microwaves.
Improvements for accessibility for persons with disabilities.
Lead based paint stabilization or abatement of lead based paint hazards.
Repair, replacement or the addition of exterior decks, patios and porches.
Basement remodeling which does not involve sculptural repairs.
Window and door replacement and exterior siding replacement.
Well or septic system repair or replacement.