Yes. Home Possible® Freddie Mac CHOICERenovation® explicitly allows accessibility improvements and energy-efficiency / resilience upgrades in the renovation escrow — so ramps, wider doorways, structural recovery, roofing, mold remediation, and related work can finance alongside kitchens and baths on your primary home with as little as 3% down.
Paying cash for ramps, doorway widening, storm recovery, or energy upgrades drains reserves. Home Possible Freddie Mac CHOICERenovation® rolls those permanent improvements into the same conventional mortgage that funds your purchase or no-cash-out refinance — with Home Possible’s 3% down and AMI-based benefits on a primary residence only.
Work must appear in licensed contractor bids and support after-improved value. One general contractor coordinates accessibility, resilience, and remodel trades. Contingency (10% min / 15% if utilities off) and five draws plus final 1004D still apply.
Ryan and Steve help you package accessibility or disaster scopes with kitchens, baths, or structural work so LPA Accept, the 75% repair cap, and Home Possible income limits stay clean.
Ramps, wider doorways, hallway adjustments, and threshold modifications that improve access.
Layout changes and fixture placements when permanently installed and bid-documented.
Load-bearing repairs, framing, and foundation work after storm, flood, or settlement damage.
Roof replacement, mold remediation, insulation, and high-efficiency systems that restore or harden the home.
Related guides for improvements, draws, contractors, and the full program hub.
Full list of eligible repairs, soft costs, and repair caps.
Five draws, 10% holdback, and 1004D final.
Licensing, insurance, and bid packages.
Standard Freddie Mac CHOICERenovation® accessibility guide.
Standard Freddie Mac CHOICERenovation® disaster-repair guide.
Full guidelines, calculator, and all 20 guides.
Yes. Accessibility upgrades such as ramps, wider doorways, and related permanently installed appliances can roll into the renovation escrow when they appear in the approved contractor scope — on a 1-unit primary residence that meets Home Possible AMI and LPA Accept rules.
Yes. Structural repairs, roofing, foundation work, mold remediation, energy-efficiency improvements, and related resilience scopes are eligible when bid-documented and supported by after-improved value. Up to 6 months of PITI may be financed if the home is uninhabitable.
Yes. Accessibility and disaster/resilience work is part of total renovation costs and must fit the 75% purchase repair cap (or lesser of $50,000 / 50% ARV for manufactured homes). Contingency still applies at 10% minimum.
Yes. Accessibility and resilience items can sit alongside kitchens, baths, roofs, and other eligible improvements in one escrowed scope — as long as one general contractor coordinates the bids and timeline.
Ryan & Steve will review your bids, AMI eligibility, and after-improved value so Home Possible Freddie Mac CHOICERenovation® finances the right permanent improvements.
Home Possible and Freddie Mac CHOICERenovation® are registered trademarks of Freddie Mac. All loans are subject to credit and property approval. Program guidelines, income limits, LTV limits, and pricing are subject to change without notice and may not be available in all areas. This website is not affiliated with or endorsed by Freddie Mac, Fannie Mae, HUD, or any government agency. Information is for educational purposes only and is not a commitment to lend.