Restore Repair Renew (RRR)

City of Philadelphia / PHDC / Clarifi

Available Home Repair

About This Program

Restore Repair Renew (RRR) is available to homeowners in Philadelphia, PA.

Low-interest home equity loan program offering 3% fixed-rate, 10-year loans from $2,500 to $50,000 for home repairs. Over 600 homes repaired since 2019. Covers health, safety, weatherization, accessibility, and modernization projects.

3% fixed rate, 10-year term; monthly payment ~$483 on $50,000

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

  • 3% fixed-rate 10-year home equity loan
  • Loan amounts from $2,500 to $50,000
  • Must earn 120% or less of area median income
  • Minimum credit score of 580 required
  • Free project navigators help through the process

How to Apply

Get free help applying Visit Official Program Page Track this program

215-866-5200

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).
  • 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: Rolling

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 Restore Repair Renew (RRR) provide in Philadelphia, PA?

Up to $50,000 low-interest loan.

Who qualifies for Restore Repair Renew (RRR) in Philadelphia?

Restore Repair Renew (RRR) is open to homeowners in Philadelphia, PA.

How do I apply for Restore Repair Renew (RRR) in Philadelphia, PA?

Apply directly with City of Philadelphia / PHDC / Clarifi using the official program link on this page or call 215-866-5200. 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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