PHFA Homeowners Energy Efficiency Loan (HEELP)

Pennsylvania Housing Finance Agency (PHFA)

Available Home Repair

About This Program

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

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

Visit Official Program Page Track this program

1-855-827-3466

Deadline: Year-round through PHFA-approved lenders

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