PA Dept. of Environmental Protection
KEEP Home Energy Loan is available to homeowners in Philadelphia, PA.
Below-market 4.99% energy efficiency loans from $2,500 to $25,000 for Pennsylvania homeowners. Covers heating, cooling, water heating, EV charging, insulation, and smart home energy systems. Repayment terms from 36 to 120 months.
4.99% fixed rate; terms 36-120 months; credit check required
Official program page checked live on 2026-06-22.
Data last verified 2026-04-03. How we verify our data.
In Philadelphia, PA, you can combine this program with other local help to cut your cost:
A grant-savvy contractor in Philadelphia, 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 Philadelphia early keeps your application moving.
Get matched with a contractorEach program sets its own contractor rules. Check the official program page for exact requirements.
Documents you will likely need
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
Ask us. It is free, and a real person answers within a business day.
Email us about this programUp to $25,000 at 4.99%.
KEEP Home Energy Loan is open to homeowners in Philadelphia, PA. It has no income limit.
Apply directly with PA Dept. of Environmental Protection using the official program link on this page. There is no middleman and no fee.
Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.
Rebates and discounts that stack on top of any grant. Most are free to use.
This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.
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