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Please note, applications will reopen in the Spring of 2023.

Homeowner Assistance Program

The Homeowner Assistance Program (HAP) provides financial assistance up to $35,000 to homeowners at or below 50% of Area Median Income (AMI) for rehabilitating and improving residential owner-occupied properties within the City of Pittsburgh.

HAP provides deferred 0% interest loans that may be used for the following:

  • To bring homes into compliance with City of Pittsburgh codes

  • To undertake energy efficiency improvements

  • To undertake eligible general property improvements

Who can apply for HAP?

  • Borrowers who do not exceed 50% AMI *Please refer to the income limits chart below to check your eligibility.

  • Borrowers who own and reside at the property that is to be improved

  • Borrowers who do not have any outstanding City, School, and County real estate taxes, or that are on a payment plan for at least six months

  • Borrowers who have a current homeowner insurance policy for the
    property

 

2022 HAP Income Limits

To apply for HAP, borrowers must not exceed 50% of Area Median Income (AMI). AMI is determined by the Department of Housing and Urban Development (HUD).

 

 

 

 

 

 

 

 

 

What types of loans and repayment options are available through HAP?

  • Homeowners may apply for up to $35,000 in financial assistance.
    Funds will be in the form of a 0% interest, 20-year deferred loan

  • If the borrower sells or otherwise vacates the property prior to the 20-year loan term, the unpaid balance of the loan will be due in full

Homeowner Assistance Program Plus

HAP Plus provides financial assistance up to $35,000 to homeowners between 51% AMI - 80% AMI for rehabilitating and improving residential owner-occupied properties within the City of Pittsburgh.

HAP+ provides 0% interest loans that may be used for the following:

  • To bring homes into compliance with City codes

  • To undertake energy efficiency improvements

  • To undertake eligible general property improvements

Who can apply for HAP Plus?

  • Borrowers who do not exceed 80% AMI *Please refer to the income limits chart below to check your eligibility.   

  • Borrowers who own and reside at the property that is to be improved

  • Borrowers who do not have any outstanding City, School, and County real estate taxes, or that are on a payment plan for at least three months

  • Borrowers who have a current homeowner insurance policy for the
    property

2022 HAP Plus Income Limits

To apply for HAP+, borrowers must not exceed 80% of Area Median Income (AMI). AMI is determined by the Department of Housing and Urban Development (HUD).

What types of loans and repayment options are available
through HAP Plus?

  • Homeowners may apply for up to $35,000 in financial assistance

  • Funds will be in the form of a 0% interest loan. Depending on the cost of the project, the borrower will be subject to a deferred and
    amortizing loan

  • If the borrower sells or otherwise vacates the property prior to the 20-year loan term, the unpaid balance of the loan will be due in full

How to Apply

Download application

Please submit your application to hof@ura.org.  If you have questions, please call us at 412-255-6694, ext 6721.

 

Applications will open in the Spring of 2023

 

Download Program Summary - English

Download Program Summary - Arabic

Download Program Summary - Chinese

Download Program Summary - Nepali

Download Program Summary - Portuguese

Download Program Summary - Russian

Download Program Summary - Spanish

Download Program Summary - Swahili

Language translation is available free of charge. Please send an email to translation@ura.org.

Contact

If you would like to submit an application, have questions or need assistance, please contact:

Phone: 412-255-6694, ext 6721

Email: hof@ura.org

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