Knowledge Base

Does the City offer any loans for home improvement?

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Yes, the URA offers several loans for home improvement, depending on your intended renovation a loan may be able to cover a portion of the cost.

  • Pittsburgh Home and Rehabilitation Program and PHRP Plus Energy Efficiency
    • 0% interest rate home improvement loan
    • PHRP provides a 0% fixed interest rate for up to twenty (20) years for home improvements. With the new PHRP Plus, you receive the added benefit of an Energy Efficiency Loan Program with a grant of up to $2,500.
    • The application can be found here.  
  • Home Improvement Loan Program (HILP)
    • The interest rate for the Home Improvement Loan Program is only 5.99% with terms of 10, 15, and 20 years with no equity requirements. You may borrow up to $15,000 for a single unit home, although the home can have up to four units.
    • The application can be found here; for further information about this program, please contact Sharon Taylor at (412) 255-6677.
  • Keystone Renovation and Repair Program (R&R)
    • This program is for homeowners in the City of Pittsburgh who earn up to $99,900. You may borrow up to $35,000. There are no equity requirements.
    • The application can be found here; for further information about this program, please contact Sharon Taylor at (412) 255-6677.
  • Home Emergency Loan Program (HELP)
    • The Home Emergency Loan Program offers Interest-free loans for low income homeowners to make emergency repairs to correct immediate health and safety hazards in an expedient manner.
    • The application can be found here. For more information about this program, please contact Jarmele E. Fairclaugh at (412) 255-6573.
  • Pittsburgh Party Wall Program (PPWP)
    • The PPWP offers grant funding to low income homeowners or landlords with low income tenants to reconstruct exposed party walls of residential row houses. Vacant properties are not eligible.
    • The application for landlords can be found here; the application for owner-occupied homeowners can be found here.
    • For further information about this program, please contact Sharon Taylor at (412) 255-6677.
Updated 9/24/2024 11:17 AM
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