HUD 203(k) Resources and Guides

Before you click out: this page exists because we use these resources every day. If you would rather skip the reading and just talk to a HUD-approved consultant about your project, we are one call away.

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• HUD 203(k) Program Overview
  hud.gov/program_offices/housing/sfh/203k
  Official HUD page explaining the 203(k) Rehabilitation Mortgage Insurance Program
• FHA Single Family Housing Policy Handbook (4000.1)
  hud.gov, Handbook 4000.1
  The comprehensive FHA lending handbook. Section III covers 203(k) requirements.
• HUD 203(k) Consultant Roster
  entp.hud.gov, Consultant Search
  Search for HUD-approved 203(k) consultants by state and county
• FHA Mortgage Limits
  entp.hud.gov, Mortgage Limits
  Look up FHA mortgage limits by county. Critical for determining maximum 203(k) loan amounts.
• HUD Mortgagee Letters
  hud.gov, Mortgagee Letters
  Official policy updates and guidance from HUD to FHA lenders

• FHA Loan Requirements
  fha.com, Loan Requirements
  Overview of FHA loan eligibility, credit score requirements, and down payment info
• Consumer Financial Protection Bureau (CFPB)
  consumerfinance.gov, Owning a Home
  Tools and resources for understanding the mortgage process
• EPA Lead Safety Information
  epa.gov/lead
  Important for buyers of pre-1978 homes. Lead paint testing and abatement requirements.
• Energy Star Home Improvement Resources
  energystar.gov, Home Improvements
  Energy efficiency upgrades that can be included in your 203(k) scope of work

• FHA Connection (FHAC)
  entp.hud.gov, FHA Connection
  FHA’s online portal for case number assignment, appraisal logging, and insurance endorsement
• 203(k) Maximum Mortgage Worksheet (Form 92700-A)
  HUD Form 92700-A
  The official worksheet for calculating the maximum 203(k) loan amount
• HUD Appraiser Roster
  entp.hud.gov, Appraiser Search
  Find FHA-approved appraisers by state and county

• NAR 203(k) Renovation Lending Resources
  nar.realtor, Renovation Lending
  National Association of Realtors resources on renovation financing options
• HUD Homes for Sale
  hudhomestore.gov
  Search HUD-owned properties available for purchase. Many are excellent 203(k) candidates.

• Michigan LARA, Contractor Licensing
  michigan.gov/lara, Bureau of Construction Codes
  Michigan licensing requirements and lookup for contractors and builders
• OSHA Safety Standards
  osha.gov/construction
  Construction safety standards and compliance resources
• EPA RRP Rule (Renovation, Repair, Painting)
  epa.gov, RRP Program
  Required EPA certification for contractors working on pre-1978 properties with lead paint

• Michigan State Housing Development Authority (MSHDA)
  michigan.gov/mshda
  State-level housing programs, down payment assistance, and homebuyer resources
• Michigan Building Code
  michigan.gov, Building Code
  Current Michigan Residential Code and construction standards

Everything above is somebody else’s document. These are mine. I write up the parts of the 203(k) process that borrowers and loan officers ask about most: what the consultant fee actually is, what stalls a file before closing, and what an inspection turns up in an older house. Start with the 203(k) blog, or go straight to the drone and thermal imaging tools behind a work write-up.

Done with the reading? Let us talk about your project.

Free 30-minute call. No sales pitch. We will tell you whether 203(k) fits your situation, what it costs, and what to expect.

Schedule a Free Call