PHFA Access Modification Program

Pennsylvania Housing Finance Agency

Available Senior & Disability

About This Program

PHFA Access Modification Program is available to homeowners in Upper Darby, PA.

Provides forgivable loans to income-eligible homeowners to make accessibility modifications for household members with disabilities. Loan is forgiven after 10 years of continuous occupancy.

Forgivable loan for accessibility improvements, no repayment after 10 years

Official source site checked live on 2026-06-22.

Data last verified 2026-06-09. How we verify our data.

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

Key Details

  • Forgivable loan for accessibility modifications
  • Income at or below 80% AMI required
  • Household member with disability required
  • Covers ramps, bathroom mods, widened doorways
  • Forgiven after 10 years of occupancy

How to Apply

Get free help applying Visit Official Program Page Track this program

(855) 827-3466

A grant-savvy contractor in Upper Darby, 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 Upper Darby early keeps your application moving.

Get matched with a contractor

This program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.

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).
  • Documentation of disability (award letter or a physician's statement) if the program is disability-based.
  • 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: Applications accepted year-round

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 Access Modification Program provide in Upper Darby, PA?

Up to $20,000 forgivable loan.

Who qualifies for PHFA Access Modification Program in Upper Darby?

PHFA Access Modification Program is open to homeowners in Upper Darby, PA.

How do I apply for PHFA Access Modification Program in Upper Darby, PA?

Apply directly with Pennsylvania Housing Finance Agency using the official program link on this page or call (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.

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