Here are some of the most frequently seen foundation types, along with the specific problems they often encounter.
Most homeowners spend $2,200 to $8,100 on foundation repairs, with an average bill of nearly $5,100. Minor cracks may cost under $1,000, while severe cases can run well above $30,000.
| Repair Type | Estimated Cost Range |
| Crack Sealing | $300–$800 |
| Foundation Leveling | $500–$1,800 for small areas, up to $9,000 for a full-slab lift |
| Wall Stabilization | $1,600–$10,000 |
| Pier Installation | $1,000–$3,000 per pier |
| Basement Waterproofing | $2,000–$10,000 |
| Full Structural Underpinning | $15,000–$50,000 |
| Damage Level | Typical Total Cost |
| Hairline Cracks | $300–$1,000 |
| Moderate Settlement | $4,000–$12,000 |
| Major Structural Damage | $15,000–$50,000 |
| Service | Estimated Cost |
| Structural Engineering Report | $350–$1,500 |
| Soil Testing | $500–$2,000 |
| City Permits and Inspections | $100–$800 |
| Drainage System | $1,500–$6,000 |
| Crawl Space Vapor Barrier | $1,200–$3,500 |
| Root Barrier Installation | $1,000–$2,500 |
| Excavation | $30–$100 per linear foot |
Small foundation issues don’t stay small for long. If you let them slide, they can impact your home’s structure, safety, and resale value. Here are a few problems that typically indicate it’s time to bring in a professional.
Before you request foundation repair financing, take a step back and think about the size of your foundation repair project. How much it might cost, how soon it needs to be done, and how it could affect your home’s value down the road. Below are some factors to consider, all of which can influence both the total cost and how long the work will take.
Not all foundation issues are created equal. Some cracks may be purely cosmetic, while others indicate serious structural shifting. A professional inspection will help you determine whether you need minor crack sealing or full-scale stabilization. The more urgent or invasive the repair, the more you may need to finance.
Foundation repair is rarely as simple as filling a few cracks. It often involves larger tasks, such as excavation, leveling, waterproofing, drainage upgrades, or installing support piers. When you're putting together a budget, it’s important to think beyond just the core repair. A detailed quote from your contractor will give you a better sense of the full cost.
Most structural foundation work requires city permits and inspections. These can add both cost and time to your project. Renovate’s partner contractors can help you understand the necessary permits in your area and ensure the work complies with local building codes.
The kind of soil your home is built on can impact foundation problems and repairs. If you’re dealing with clay that expands or uneven ground, the fixes might be more involved. Your contractor may suggest testing the soil or using different types of piers based on their findings. This can affect the duration of the job and its associated costs.
Foundation repair is a long-term investment in your home’s safety, value, and structural integrity. Financing for foundation repairs can make it easier to protect your property while maintaining your budget. Repairs can also enhance energy efficiency, mitigate moisture issues, and increase a property's resale value over time.
Financing foundation repairs allows you to spread out the cost over time, but be sure to choose a loan that fits your monthly budget. Consider the interest rate, term length, and any additional fees to find the best fit for your needs.
Submitting your request through Renovate is free, with no hidden fees for using our platform. You're under no obligation to accept an offer, so you can explore options without feeling pressured or stressed.
Renovate works with an extensive network of lenders who serve homeowners across various credit profiles. If you connect with a lender, you may receive a loan offer tailored to your financial situation.
You may receive a preliminary financing offer shortly after submitting your request. If approved, funds can be issued according to the lender’s timeline, allowing you to begin repairs without unnecessary delays.
Some lenders in our network may offer financing for foundation repair to homeowners with less-than-perfect credit. While interest rates vary, you may still qualify based on your income, debt ratio, and overall financial health. However, approval is not guaranteed.
In many cases, you may receive a preliminary financing offer shortly after submitting your request. If you decide to move forward with an offer, the approval usually takes a bit longer, typically between one and three business days, depending on the lender’s timeline and policies.
Foundation repair financing is based on several factors, including your requested amount, credit score, and specific lender’s policies. If you have a detailed quote from your contractor that breaks down all the costs — such as permits, materials, labor, and any other fees — you can request financing to cover the entire project. However, that does not guarantee approval for that amount of financing.
Not necessarily. You can begin your financing request with a rough estimate of the repair costs and then update it later with a detailed contractor quote. However, having a clear, itemized quote upfront can make the process smoother. It helps lenders understand exactly how the money will be used, which can speed up the process.
Renovate itself does not charge any hidden platform or request service fees. That said, individual lenders might include origination fees, interest charges, or other costs depending on your loan terms. Carefully review the full loan agreement before accepting an offer to ensure you understand all the fees involved and there are no surprises down the line.
