Fix First HomeWhat home-upgrade rebates actually pay — and who you apply to.

Fix First Home › Pennsylvania › PHFA Homeowners Energy Efficiency Loan Program (HEELP)

PHFA Homeowners Energy Efficiency Loan Program (HEELP) open

Administered by the Pennsylvania Housing Finance Agency (PHFA).

PHFA lends Pennsylvania homeowners $1,000 to $10,000 at a fixed 1% for 10 years, with no prepayment penalty, for insulation, air sealing and ductwork, windows and doors, heating and cooling repairs or replacement, and roofs. Household income up to 80% of area median, $84,800 for four, or more case by case.

source · verified 26 September 2026 · amounts in US dollars

What it pays

1% for 10 years, $1,000 to $10,000

What the loan can pay for

  • Air sealing, insulation and ductwork
  • Energy-efficient windows and doors
  • Heating or cooling system repairs or replacement
  • Roof replacement

PHFA's own example: $88 a month for a $10,000 loan, $44 for $5,000.

Who is eligible

Income limits from 1 July 2026 (80% of area median income)
People in householdYearly income up to
1$59,400
2$67,850
3$76,350
4$84,800
5$91,600
6$98,400
7$105,200
8$111,950
above the line
PHFA may lend up to 150% of area median income depending on circumstances; call 1-855-827-3466.
contractors
PHFA-approved HEELP contractors.
timing
Do not let work start until the loan has closed.

Where the application goes

The borrower application, to PHFA, which underwrites it.

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

The thing most pages get wrong

Some rebate sites say HEELP lends up to $25,000. PHFA's page says $10,000. The $25,000 figure belongs to the state's separate KEEP Home Energy Loan, at 4.99% to 7.99%.

Sources