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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 be accepted through July 13, 2022.

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 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 the home prior to the end of the loan term, the
    loan will become due

How to Apply

Download application

For more information, and to apply for HAP or HAP+, please contact Natalie Lopez, Client Relations Program Assistant, at HOF@ura.org or call
412-255-6574.

Applications will be accepted through July 13, 2022.

 

Download Program Summary - English

Download Program Summary - Arabic

Download Program Summary - Chinese

Download Program Summary - Nepali

Download Program Summary - Spanish

Download Program Summary - Swahili

For more information, please contact Natalie Lopez, Client Relations Program Assistant, at 412.255.6574 or via email at hof@ura.org.

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