Pennsylvania Housing Finance Agency’s Homeowners Energy Efficiency Loan Program offers 1% APR1 loans up to $10,000 for specific energy efficiency repairs for low and moderate income households.

The loans can pay for:

HEELP loans are affordable! For example, if you borrow:
$5,000 – you pay $44/month
$10,000 – you pay $88/month
Note: The minimum loan is $1,000.

For more information about HEELP, please visit, email and specify HEELP in the subject line, or call PHFA at 855-827-3466.