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Renovation financing through the 203k program allows the costs of needed repairs and improvements to be included in the FHA federally-insured loan amount instead of having the buyer come up with cash or a separate loan to do the work. ... You go into lots of homes and see people have yanked out stoves and ovens and fixtures and sinks.? The work has to be done within six months after escrow closes. Borrowers have the option of putting up to six months of mortgage payments ...