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Home Emergency Loan Program (HELP)

The Home Emergency Loan Program (HELP) offers a 0% interest rate loan to eligible City of Pittsburgh homeowners to fix an emergency condition in their home.

Household emergency? We may be able to help. If you're a City of Pittsburgh resident facing unforeseen emergency conditions that present health and safety hazards in your home, the URA's HELP program could be a lifeline. If you have a gas leak, your hot water tank stops working or your furnace breaks, the URA is here to help by providing loan financing up to $5,000 for a single unit property or up to $7,000 for a two-unit property.

To Qualify:

  • Emergency should have occurred within five (5) days of application.
  • Homeowner must meet income guidelines and provide verification of all income, with copies of the two most recent pay stubs for each wage earner.
  • Deed must be in homeowner's name.
  • Homeowner must submit a copy of the latest Income Tax Returns or Non-Filing Verification Letter (1.800.829.1040)
  • Verification that City and County Real Estate Taxes are paid (if available)

How to Apply

Call the URA at 412.255.6573 and ask the URA to mail you an application. Please complete the application and attach the requested documentation for each household member and submit to:

Urban Redevelopment Authority of Pittsburgh

200 Ross Street, 10th Floor

Pittsburgh, PA 15219

The URA will send a Construction Advisor to your property to inspect the health and safety hazard. The advisor will then draft a work write-up. As the homeowner, you should begin to contact contractors to obtain estimates as soon as the emergency occurs. Please have the contractor(s) provide written proposals that outline the work and include itemized costs. Per your request, the URA can also send your information to several contractors to bid. The selected contractor will be paid by the URA once the job is completed. The URA will charge a $300 processing fee that can be financed as part of the loan.

HILP Income Limits by Household Size:

Household Size Maximum Income
1 person $42,600
2 person $48,650
3 person $54,750
4 person $60,800
5 person $65,700
6 person $70,550

Effective 6/1/18

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