PHFA HEELP Energy Efficiency Loan
Pennsylvania Housing Finance Agency
About This Program
The Grant Map catalogs PHFA HEELP Energy Efficiency Loan in its Philadelphia, PA research directory. The record carries audience tags for homeowners; those tags do not establish eligibility or current service coverage.
Ultra-low-interest energy efficiency loans from $1,000 to $10,000 at a fixed 1% APR for 10 years with no prepayment penalties. A $5,000 loan costs just $44/month. All contractors must be PHFA-approved.
1% APR fixed for 10 years; $88/month for $10,000 loan
The cited program-specific URL responded on 2026-07-21; confirm current terms.
Record set last reviewed 2026-04-03. How we verify our data.
Other published resources for Philadelphia, PA, are listed below. Review each separately and ask the administrators whether they can coordinate funding for the same work:
- Basic Systems Repair Program (BSRP) Up to $25,000 in free repairs
- Weatherization Assistance Program (WAP) Up to ~$8,000 in free weatherization
- Adaptive Modifications Program (AMP) Up to $20,000 in free modifications
- Heater Hotline Free emergency heater repair
Key Details
- 1% fixed APR for 10 years, no prepayment penalty
- Loans from $1,000 to $10,000
- $44/month for $5,000 or $88/month for $10,000
- Income limits up to 150% AMI
- Must use PHFA-approved contractor
How to Apply
Some programs require contractor estimates, licenses, or inspections. A cited link may be general, so confirm the current rules with the administrator before hiring; a directory match does not guarantee contractor eligibility or funding.
Our record indicates a licensed contractor may be required
The published data we have indicates a licensed-contractor requirement and possibly a written estimate. Confirm both with the administrator before requesting an introduction in Philadelphia.
Get matched with a contractorEach administrator sets its contractor rules. Confirm exact requirements directly; the cited URL may be a general agency page.
Your application paperwork
Documents you will likely need
- Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
- A government-issued photo ID for every owner on title.
- Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
- A written estimate from a licensed contractor for the work (many programs require this to apply).
- A recent utility bill for the home (energy and weatherization programs use it to confirm service and usage).
- Photos of the problem area or the work to be done.
- The program's own application form, completed (use the official link or phone number on this page).
Requirements vary by program and locality. Confirm the exact rules and application route with the administrator. We can help you prepare your paperwork, but you submit it yourself.
Deadline: Ongoing
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Frequently asked questions
What amount is listed for PHFA HEELP Energy Efficiency Loan in Philadelphia, PA?
The Grant Map record states: Up to $10,000 at 1% interest. Confirm the current amount and eligible costs with the administrator.
What audience tags are recorded for PHFA HEELP Energy Efficiency Loan in Philadelphia?
The directory record carries audience tags for homeowners. These tags do not establish eligibility; confirm the complete current rules with the administrator.
How do I apply for PHFA HEELP Energy Efficiency Loan in Philadelphia, PA?
Confirm the application route directly with Pennsylvania Housing Finance Agency; use the cited source on this page as a starting point or call 1-855-827-3466. Confirm any fee or cost with the administrator.
Need a Contractor for This Project?
Browse local listings or request an introduction. The Grant Map does not guarantee licensing, program experience, work quality, or funding.
More ways to save on this project
Rebates and discounts that may reduce project cost. Confirm eligibility and coordination rules before including one in your budget.
Find More Programs in Philadelphia, PA
This is one of several kinds of assistance that may be available. Review other programs separately and confirm whether their administrators allow coordination for the same work.
See All Programs