PHFA HomeStyle Renovation Loan

Pennsylvania Housing Finance Agency

Available Home Repair

About This Program

PHFA HomeStyle Renovation Loan is available to homeowners in Philadelphia, PA.

Mortgage program allowing homebuyers or existing homeowners to finance repairs, renovations, and energy improvements. Borrowers can fund up to 75% of the as-completed appraised value. Available through PHFA-approved lenders statewide.

Loan amount depends on property value and renovation scope

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

  • Finance repairs into your mortgage up to 75% of value
  • Available for home purchase or refinance
  • Covers renovation, remodeling, and energy improvements
  • Must use PHFA-approved lender
  • Income limits apply based on county

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.

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 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).
  • 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.

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Frequently asked questions

How much can PHFA HomeStyle Renovation Loan provide in Philadelphia, PA?

Up to 75% of as-completed value.

Who qualifies for PHFA HomeStyle Renovation Loan in Philadelphia?

PHFA HomeStyle Renovation Loan is open to homeowners in Philadelphia, PA.

How do I apply for PHFA HomeStyle Renovation 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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