PHFA Keystone Renovate & Repair Loan Program

Pennsylvania Housing Finance Agency (PHFA)

Available Home Repair

About This Program

PHFA Keystone Renovate & Repair Loan Program is available to homeowners in Philadelphia, PA.

PHFA's Keystone Renovate & Repair (R&R) Loan Program offers below-market interest rate loans through a network of local nonprofit and government administrators to finance health, safety, energy efficiency, accessibility improvements, and code violations in owner-occupied homes statewide. Borrowers work with a Local Program Administrator who manages contractor selection and draws, ensuring quality workmanship. Contact PHFA for current interest rates and participating administrators in your area.

Estimated interest savings vs. market rate over loan term; assumes $20,000 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

  • Below-market interest rate loans for home repairs and improvements
  • Up to $30,000 for renovation work on owner-occupied homes
  • Covers health, safety, energy efficiency, and accessibility projects
  • Administered locally by PHFA-approved nonprofits and lenders
  • Call PHFA at 1-855-827-3466 for local administrator referral

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.
  • 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: Rolling applications through PHFA-approved lenders and local program administrators

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 Keystone Renovate & Repair Loan Program provide in Philadelphia, PA?

Up to $30,000 (combined renovation loan).

Who qualifies for PHFA Keystone Renovate & Repair Loan Program in Philadelphia?

PHFA Keystone Renovate & Repair Loan Program is open to homeowners in Philadelphia, PA.

How do I apply for PHFA Keystone Renovate & Repair Loan Program in Philadelphia, PA?

Apply directly with Pennsylvania Housing Finance Agency (PHFA) 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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