Because you want to do the renovation work yourself, the FHA 203(k) Mortgage Program is likely your best and only financing option. We provide a comprehensive overview of fixer-upper mortgage programs on FREEandCLEAR that you can review but the FHA 203(k) Program is the only program that permits a limited amount of sweat equity as long as the work is performed by a qualified contractor. Additionally, the FHA 203(k) Program enables borrowers to finance both the purchase of a home as well as the cost of significant rehabilitation, remodeling and repairs to the home with a single FHA loan and requires a down payment of only 3.5% of the post-renovation property value. We provide a thorough overview of the FHA 203(k) Mortgage Program on FREEandCLEAR. I am assuming that you are looking to buy a home and not renovate a property that you already own, in which case a home equity loan or line of credit (HELOC) may be viable financing options.