Home Improvement Loans

The URA offers an array of products designed to assist you in the renovation or repair of your home. Income limits and program areas may apply.

Pittsburgh Home Rehabilitation Program (PHRP)
and PHRP PLUS for Energy Efficiency

0% interest rate home improvement loan

PHRP provides a 0% fixed interest rate for up to 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.

Home Improvement Loan Program (HILP)

The interest rate 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.

For futher information about this program, please contact Sharon Taylor at (412) 255-6677.

Keystone Renovation and Repair Program (R&R)

Program is for homeowners in the City of Pittsburgh who earn up to $99,900. Borrow up to $35,000. There are no equity requirements.

For futher information about this program, please contact Sharon Taylor at (412) 255-6677.

Home Emergency Loan Program (HELP)

Interest free loans for low income homeowners to make emergency repairs to correct immediate health and safety hazards in an expedient manner.

For futher information about this program, please contact Jarmele E. Fairclaugh at (412) 255-6573.

Home Accessibility Program for Independence (HAPI)

Funding available to low income homeowners or landlords with low income tenants to assist in making the home accessible to people with disabilities. Limited funding available.

Pittsburgh Party Wall Program (PPWP)

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.

For futher information about this program, please contact Sharon Taylor at (412) 255-6677.