PHFA Housing Affordability and Rehabilitation Enhancement Fund (PHARE)

Pennsylvania Housing Finance Agency

Available Home Repair

About This Program

PHFA Housing Affordability and Rehabilitation Enhancement Fund (PHARE) is available to homeowners in Bethlehem Township, PA.

State-funded program administered through Northampton County to help low- and moderate-income homeowners make critical home repairs and accessibility modifications. Funds are typically structured as deferred or forgivable loans.

Typical award for major rehabilitation work; structure varies by county

Verified against Pennsylvania Housing Finance Agency's official page on 2026-06-17.

Data last verified 2026-06-09. How we verify our data.

In Bethlehem Township, PA, you can combine this program with other local help to cut your cost:

Key Details

  • Up to $25,000 for major home repairs
  • Administered through Northampton County
  • Income at or below 80% AMI typically required
  • May be structured as forgivable loan
  • Covers structural, roofing, systems repairs

How to Apply

Get free help applying Visit Official Program Page Track this program

(610) 829-6972

A grant-savvy contractor in Bethlehem Township, PA can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Bethlehem Township early keeps your application moving.

Get matched with a contractor

This program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Contact Northampton County for application windows

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can PHFA Housing Affordability and Rehabilitation Enhancement Fund (PHARE) provide in Bethlehem Township, PA?

Up to $25,000 for rehabilitation.

Who qualifies for PHFA Housing Affordability and Rehabilitation Enhancement Fund (PHARE) in Bethlehem Township?

PHFA Housing Affordability and Rehabilitation Enhancement Fund (PHARE) is open to homeowners in Bethlehem Township, PA.

How do I apply for PHFA Housing Affordability and Rehabilitation Enhancement Fund (PHARE) in Bethlehem Township, PA?

Apply directly with Pennsylvania Housing Finance Agency using the official program link on this page or call (610) 829-6972. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse Bethlehem Township, PA contractors

Find More Programs in Bethlehem Township, PA

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

See All Programs