The most common programs for buying and renovating simultaneously are:

: Similar to HomeStyle, this conventional option allows you to finance renovations up to 75% of the home's post-improvement value .

: A government-backed option with a low down payment (as low as 3.5%) and flexible credit requirements (typically a 580+ score).

203(k) Rehabilitation Mortgage Insurance Program Types - HUD

: Best for minor, non-structural repairs like kitchen updates or painting. It typically covers costs up to $35,000 . Some sources indicate limits can reach up to $75,000 .