PHFA HEELP Energy Efficiency Loan

Pennsylvania Housing Finance Agency

Available Home Repair

About This Program

PHFA HEELP Energy Efficiency Loan is available to homeowners in Philadelphia, PA.

Ultra-low-interest energy efficiency loans from $1,000 to $10,000 at a fixed 1% APR for 10 years with no prepayment penalties. A $5,000 loan costs just $44/month. All contractors must be PHFA-approved.

1% APR fixed for 10 years; $88/month for $10,000 loan

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:

Key Details

  • 1% fixed APR for 10 years, no prepayment penalty
  • Loans from $1,000 to $10,000
  • $44/month for $5,000 or $88/month for $10,000
  • Income limits up to 150% AMI
  • Must use PHFA-approved contractor

How to Apply

Get free help applying Visit Official Program Page Track this program

1-855-827-3466

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

This grant requires a licensed contractor

This grant requires the work to be done by a licensed contractor, and you will likely need a written estimate to apply. Get a free estimate from a contractor in Philadelphia who knows grant paperwork.

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

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 HEELP Energy Efficiency Loan provide in Philadelphia, PA?

Up to $10,000 at 1% interest.

Who qualifies for PHFA HEELP Energy Efficiency Loan in Philadelphia?

PHFA HEELP Energy Efficiency Loan is open to homeowners in Philadelphia, PA.

How do I apply for PHFA HEELP Energy Efficiency Loan in Philadelphia, PA?

Apply directly with Pennsylvania Housing Finance Agency using the official program link on this page or call 1-855-827-3466. 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 Philadelphia, PA contractors

Find More Programs in Philadelphia, PA

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

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