Homeowner Assistance Program
The Homeowner Assistance Program (HAP) and Homeowner Assistance Program PLUS (HAP+) provide up to $35,000 in financial assistance to eligible homeowners for rehabilitating and improving residential owner-occupied properties within the City of Pittsburgh. Funds must be used to address any major City Code violations prior to any general repairs.
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
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
HAP and HAP+ Program Materials
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