The 203k loan, often referred to as a renovated loan, sounds like a good option for you. Banks still offer it and you sound like you would qualify for an amount to renovate the kitchen and bathrooms.
Don't go bananas because you may be tempted to over-renovate your new home, making it too difficult to sell it when you go because you may want to recoup the renovation costs in the asking price. Good luck.
Rey Hollingsworth Falu
Licensed Associate Real Estate Broker
Houlihan Lawrence - Bronxville
4 Valley Rd
Bronxville, NY 10708