Foundation repair financing in 2026
Foundation repair financing is harder to get than roof or HVAC because lenders treat it as 'distressed' work. Expect 0% promotional plans on jobs under $15,000 through Synchrony or GreenSky, and home-equity loans on larger jobs.
A typical US foundation repair costs around $5,250 in 2026 ($2,500 to $12,100).
Tax credits and rebates
No federal tax credit for foundation repair. Some states offer property tax abatement for documented structural work, and the cost is deductible against capital gains at home sale.
Lenders contractors typically work with
- Synchrony
- GreenSky
- Hearth
- LightStream personal
- HELOC through your bank
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Tell us your project and we'll match you with contractors who run promotional financing and know the credits and rebates in your state.
Request a financing-friendly quoteFrequently asked questions
Will my homeowners insurance pay for foundation repair?+
Almost never for settlement, expansive-soil heave, or hydrostatic pressure. Insurance covers sudden events like vehicle impact or a documented sudden plumbing leak. If your engineer's report ties damage to a leak, file a claim before paying out of pocket.
Can I get a HELOC for foundation repair?+
Yes if you have equity. HELOC rates (typically prime + 0% to 2%) beat any in-house financing for jobs above $15,000. Most banks will fund within 2 to 3 weeks of application.
Do foundation repair companies offer in-house payment plans?+
The major franchises (Foundation Supportworks, Ram Jack, Olshan) all route through Synchrony or GreenSky for 0% promotional plans on smaller jobs. Larger jobs ($20,000+) usually require traditional financing.