Eligible rehabilitation repairs with 203(k) loans include:
- Repair/replacement of roofs, gutters, and downspouts
- Repair/replacement/upgrade of existing HVAC systems
- Repair/replacement/upgrade of plumbing and electrical systems
- Repair/replacement of flooring
- Minor remodeling of kitchen that does not involve structural repair
- Painting, both interior and exterior
- Weatherization, including storm windows and doors, insulation, weather stripping, etc.
- Accessibility improvements for persons with disabilities
- Purchase and installation of appliances, including free-standing ranges, refrigerators, washers/dryers, dishwashers and microwave ovens
- Basement finishing and remodeling that does not involve structural repairs
- Lead-based stabilization or abatement of lead-based hazards
- Repair/replace existing exterior decks, patios, or porches
- Window and door replacements and exterior wall residing
- Septic system repair or replacement
Ineligible rehabilitation repairs with 203(k) loans include:
- Major rehabilitation or major remodeling, such as the relocation of a load-bearing wall
- New constructions to include room additions
- Repair of structural damage
- Repairs requiring detailed drawings or architectural exhibits
- Landscaping or similar site amenity improvements
- Any repair or improvement requiring a work schedule longer than 6 months
- Rehabilitation activities that require more than two (2) payments per specialized contractor
How to Apply
The applicant must apply for HPAP with a Homeownership CBOs (CBO) and attend general HPAP training. The applicant must also attend a separate mandatory 203(k) streamline training class. HPAP applicants who have received a Notice of Eligibility from the Greater Washington Urban League are eligible for the program.
The applicant must select their FHA 203(k) lender, general contractors, and an FHA 203(k) consultant to conduct scope of work write ups and periodic inspections of the rehabilitation work prior to funding draws.
If you are interested in applying for the Home Purchase Rehabilitation Pilot Program for first time homebuyers using HPAP and or other DHCD program loans, please contact one of the Community Based Organizations (CBO).