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KEEP Home Energy Loan open

Administered by the National Energy Improvement Fund (NEIF), for the Pennsylvania Energy Development Authority (PEDA).

Pennsylvania's KEEP Home Energy Loan finances $2,500 to $25,000 of energy upgrades by pre-approved contractors, at 4.99% for three years, 6.99% for five or 7.99% for ten, with the amount set by credit score. Owner-occupied homes of one to four units qualify.

source · verified 26 September 2026 · amounts in US dollars

What it pays

Rates since 1 July 2025, "for a limited time"
TermRate
36 months4.99%
60 months6.99%
120 months7.99%
How much you can borrow
Credit scoreLoan
720 and up$2,500 to $25,000
700 to 719$2,500 to $20,000
680 to 699$2,500 to $15,000
640 to 679$2,500 to $10,000

Who is eligible

homes
Owner-occupied single-family and two- to four-unit buildings in Pennsylvania, primary or secondary homes, on a permanent foundation. Not properties held in trust.
work
Qualifying energy upgrades by NEIF's pre-approved contractors; up to 100% financing.

Where the application goes

Through a participating contractor or NEIF's site.

Where the application goes
If this is youApply here
Homeownersneifund.org

Cheaper money if you qualify

Below 80% of area median income, PHFA's HEELP lends up to $10,000 at 1%. KEEP has no income test.