PHFA Homeowners Energy Efficiency Loan (HEELP)

Pennsylvania Housing Finance Agency (PHFA)

Available Home Repair

About This Program

PHFA Homeowners Energy Efficiency Loan (HEELP) is available to homeowners in Pittsburgh, PA.

1% fixed APR loan for energy efficiency improvements. $1,000-$10,000 over 10 years. Income limit 80% AMI. Covers air sealing, insulation, windows, doors, HVAC, and roof. No prepayment penalty. Monthly payment: ~$44 for $5K, $88 for $10K.

Below 80% AMI, PA homeowner

Official program page checked live on 2026-06-22.

Data last verified 2026-04-01. How we verify our data.

In Pittsburgh, PA, you can combine this program with other local help to cut your cost:

Key Details

  • 1% fixed APR, 10-year term, no prepayment penalty
  • Income limit: 80% AMI by household size
  • Covers insulation, windows, HVAC, roof replacements
  • Monthly payment: ~$44/$5K or ~$88/$10K borrowed

How to Apply

Get free help applying Visit Official Program Page Track this program

1-855-827-3466

A grant-savvy contractor in Pittsburgh, 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 Pittsburgh 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: Year-round through PHFA-approved lenders

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 Homeowners Energy Efficiency Loan (HEELP) provide in Pittsburgh, PA?

Up to $10,000 at 1% APR.

Who qualifies for PHFA Homeowners Energy Efficiency Loan (HEELP) in Pittsburgh?

PHFA Homeowners Energy Efficiency Loan (HEELP) is open to homeowners in Pittsburgh, PA. It prioritizes low-income households.

How do I apply for PHFA Homeowners Energy Efficiency Loan (HEELP) in Pittsburgh, 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 Pittsburgh, PA contractors

Find More Programs in Pittsburgh, PA

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

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