Find grants, rebates, forgivable loans, and free programs for Philadelphia, PA, filtered to your situation.
As of June 2026, 53 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Philadelphia, PA, with individual awards up to $126,526. 9 programs target seniors, 5 serve veterans, and 21 require no income limit.
Data last verified 2026-04-03. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 34 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 3 | Refunded to you after purchase | Energy-efficiency upgrades |
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Free emergency repairs for electrical, plumbing, heating, roofing, and structural problems in owner-occupied homes. Serv...
Free weatherization and energy efficiency improvements for owner-occupied and tenant-occupied homes in Philadelphia. Hou...
Free home adaptations for low-income individuals with permanent physical disabilities to improve accessibility and mobil...
Free emergency heater repairs, preventative maintenance, and heater clean-outs for eligible homeowners. If the heater ca...
Free lead inspection and possible lead paint remediation for families with children under 6, pregnant families, and newb...
Low-interest home equity loan program offering 3% fixed-rate, 10-year loans from $2,500 to $50,000 for home repairs. Ove...
A $400 million City Council initiative to expand and protect affordable housing, keep owners and renters in their homes,...
Free critical home repairs to keep families safe, healthy, and secure. Completed a record 150 home repairs in FY 2025, s...
Free home repairs focused on safety, accessibility, energy efficiency, and generational wealth preservation. Over 2,000 ...
Free weatherization and energy efficiency services delivered by the Energy Coordinating Agency for income-eligible Phila...
PECO offers rebates of $200-$300 on qualifying heat pumps and central AC, $50 on smart thermostats, plus instant discoun...
PGW residential rebates include up to $500 on high-efficiency furnaces, up to $1,500 on boilers, $70 on smart thermostat...
Income-based payment plan for PGW customers that can reduce gas bills by more than 50%. Over 74,000 customers projected ...
Free energy conservation measures for low-income PGW customers including insulation, air sealing, and heating system wor...
Government-backed group buying program connecting homeowners to vetted solar installers with consumer protections. Over ...
Emergency utility grants up to $1,500 for income-eligible residents facing utility termination or shutoff. PECO and Phil...
Mortgage program allowing homebuyers or existing homeowners to finance repairs, renovations, and energy improvements. Bo...
Ultra-low-interest energy efficiency loans from $1,000 to $10,000 at a fixed 1% APR for 10 years with no prepayment pena...
Deferred payment loan with no interest and no monthly payments for homebuyers with disabilities who need accessibility m...
Below-market 4.99% energy efficiency loans from $2,500 to $25,000 for Pennsylvania homeowners. Covers heating, cooling, ...
Annual rebate of up to $1,000 on property taxes or rent paid for eligible seniors (65+), widows/widowers (50+), and disa...
Federally funded program providing free weatherization to households at or below 200% of poverty guidelines. Administere...
Landmark $125 million state program for critical home repairs and upgrades. Most counties have closed initial applicatio...
Low-to-moderate income solar program funded by a $156 million federal Solar for All grant. Available to homeowners in Ph...
Grants up to $126,526 for veterans with qualifying service-connected disabilities to build, buy, or modify a home for ac...
Grants up to $25,350 for veterans with specific service-connected disabilities (blindness, loss of hands) to adapt an ex...
Home Improvements and Structural Alterations grant providing up to $6,800 lifetime for medically necessary modifications...
Grants to adapt a family member's home where a veteran is temporarily residing. Up to $50,961 for SAH-eligible veterans ...
Loans up to $40,000 at 1% interest and grants up to $10,000 for very-low-income homeowners in eligible rural areas. Gran...
FHA-insured loan for home improvements up to $25,000 for single-family homes. Loans under $7,500 may be unsecured (no ho...
Mortgage program financing home purchase and renovation in a single loan. Limited 203(k) covers up to $75,000 in minor r...
Federal heating assistance providing cash grants of $200 to $1,000 and crisis grants of $25 to $1,000 to help pay heatin...
Federal tax credit covering 30% of costs for solar panels, solar water heaters, wind turbines, geothermal heat pumps, ba...
Federal tax credit of 30% of costs up to $3,200 annually for energy-efficient home improvements. Includes $1,200 limit f...
Free tax preparation service to help qualifying Philadelphia residents file returns and claim energy credits, property t...
Allows Housing Choice Voucher holders to use their voucher for mortgage payments instead of rent. Includes first-time ho...
Down payment and closing cost assistance of up to $12,000 as a second mortgage for eligible first-time homebuyers using ...
Low-interest loans up to $25,000 at 1.75% (up to 2.8% APR) for homeowners who need to repair or replace on-lot septic sy...
HMGP provides funding after a presidentially declared disaster to help communities reduce future disaster losses. Homeow...
ICC coverage is built into every National Flood Insurance Program (NFIP) policy and pays up to $30,000 to help bring a s...
WAP provides free energy efficiency improvements to low-income households across all 50 states, DC, and territories. Eli...
HUD funds state, county, and city governments to identify and fix lead-based paint hazards and other health hazards (mol...
EPA's WIIN Act grants and the Drinking Water State Revolving Fund (DWSRF) fund lead service line replacement programs in...
HUD's Community Development Block Grant (CDBG) program provides annual funding to cities, counties, and states to fund l...
The American Red Cross installs free smoke alarms and creates home fire escape plans through their nationwide Home Fire ...
EPA provides State and Tribal Indoor Radon Grants (SIRG) to every state to fund radon risk reduction programs. While the...
NeighborWorks America supports a network of nearly 250 local nonprofit housing organizations across every state, DC, and...
Owners of historic homes may access funding through their State Historic Preservation Office (SHPO), which distributes H...
The Section 184 Indian Home Loan Guarantee Program provides HUD-guaranteed mortgage financing for American Indian and Al...
Enacted as Act 3 of 2022 with a landmark $125 million ARPA appropriation, Pennsylvania's Whole-Home Repairs Program prov...
PHFA's Keystone Renovate & Repair (R&R) Loan Program offers below-market interest rate loans through a network of local ...
The Housing Choice Voucher (Section 8) program provides rental assistance to eligible low-income families, seniors, and ...
Philadelphia Works administers WIOA funds through PA CareerLink Philadelphia centers. Individual Training Accounts fund ...
Pennsylvania Child Care Works provides subsidized child care to income-eligible families. Parents choose from certified ...
Philadelphia administers Head Start and Early Head Start through the Office of Children and Families, contracting with c...
The SBA Pennsylvania District Office in Philadelphia serves small businesses throughout Pennsylvania. Programs include S...
Free or low-cost HUD-approved housing counseling and homebuyer education provided by Clarifi, a leading HUD-approved cou...
Many of these programs can be combined. For example, you can use a city repair grant for the work, a utility rebate for the energy savings, and a federal tax credit on top, all for the same project.
Pick a project to see how much funding could stack on it from multiple programs in this city.
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53 programs are currently listed for Philadelphia, including Basic Systems Repair Program (BSRP), Weatherization Assistance Program (WAP), Adaptive Modifications Program (AMP).
Grants do not have to be repaid. Forgivable loans are forgiven over a residency period, and rebates refund your money after the purchase. In Philadelphia, 34 programs do not require repayment, 2 are forgivable loans, and 3 are rebates.
Every program listing carries the official application link and phone number for the administering agency. Homeowners apply directly with that agency; there is no middleman and no fee.