PHFA Homeowners Energy Efficiency Loan (HEELP)

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

Deadline: Year-round through PHFA-approved lenders