Homeowners Energy Efficiency Loan Program (HEELP)

The Homeowners Energy Efficiency Loan Program (HEELP) offers loans between $1,000 and $10,000 for specific energy efficiency repairs at a fixed-rate of one percent (1%) for ten years with no prepayment penalties.

HEELP loans are more affordable than you may think: $44 per month for a $5,000 loan or $88 per month for a $10,000 loan. With such affordable payments, now you can make those much needed energy efficiency repairs.

The specific uses for the HEELP funds are:

  • Air sealing, insulation and ductwork
  • Energy efficient windows and doors
  • Energy efficient heating or cooling system repairs or replacements
  • Roof replacements

The HEELP income limits are listed in the chart below.

80% of AMI*

The Agency may make exceptions to these limits. These limits may be increased up to 150% Area Median Income (AMI) based upon individual circumstances. Please contact PHFA at 1.800.822.1174 for more information.

Download the Borrower Application. PHFA will underwrite your application and let you know if you are approved. If we have a local HEELP Loan Provider in your area we will refer you there. Otherwise, we will walk you through how to get the work that you need to have done approved.

Locate an approved HEELP contractor in your area. If you do not see your contractor on the list, have the company apply to become an approved contractor.

Are you a contractor interested in doing HEELP work?

All contractors working with HEELP borrowers must be approved. Download the Contractor Application.