PHFA HomeStyle Energy Mortgage

Pennsylvania Housing Finance Agency

Available Energy Assistance

About This Program

PHFA HomeStyle Energy Mortgage is available to homeowners in Harrisburg, PA.

Allows homebuyers and homeowners to finance energy efficiency improvements into their mortgage at favorable rates. Available statewide through participating lenders. Improvements must be identified through energy audit.

Financed amount added to mortgage principal; interest rates vary by lender

Official program page checked live on 2026-06-22.

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

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

Key Details

  • Finance energy improvements up to $35,000
  • Available for purchase and refinance
  • Income limits up to 150% AMI in most counties
  • Energy audit required before approval
  • Competitive interest rates through PHFA lenders

How to Apply

Get free help applying Visit Official Program Page Track this program

(855) 827-3466

A grant-savvy contractor in Harrisburg, 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 Harrisburg early keeps your application moving.

Get matched with a contractor

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).
  • A recent utility bill for the home (energy and weatherization programs use it to confirm service and usage).
  • 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: Ongoing program

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 HomeStyle Energy Mortgage provide in Harrisburg, PA?

Finance up to $35,000 in energy improvements.

Who qualifies for PHFA HomeStyle Energy Mortgage in Harrisburg?

PHFA HomeStyle Energy Mortgage is open to homeowners in Harrisburg, PA.

How do I apply for PHFA HomeStyle Energy Mortgage in Harrisburg, PA?

Apply directly with Pennsylvania Housing Finance Agency using the official program link on this page or call (855) 827-3466. 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 Harrisburg, PA contractors

Find More Programs in Harrisburg, PA

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

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