Help paying for repairs
When a needed repair costs more than you can pay, a public program may help: a state or federal agency, your county or city, your utility, or a nonprofit. This page lists programs in Pennsylvania and links each one's official page, where you apply. It is not an application, it is not run by any of these programs, and it does not list contractors.
Programs open and close, and their rules change. The office that runs a program decides who qualifies. This site is not that office and cannot say whether you qualify: ask the program, using the official link given for each one.
Programs in your county
Each county page has the county's own programs, then the statewide ones below.
Statewide and federal programs
Homeowners Energy Efficiency Loan Program (HEELP)
State program. Run by Pennsylvania Housing Finance Agency (PHFA).
Loans, to be repaid, for specific energy efficiency repairs: air sealing, insulation and ductwork; energy efficient windows and doors; energy efficient heating or cooling system repairs or replacements; and roof replacements.
Who it is for: Homebuyers and homeowners within the program's income limits, which the page lists by household size. Loans are subject to credit approval.
How to apply: the official page or call 1-855-827-3466.
Checked on November 11, 2026, from the program's own page.
LIHEAP crisis grants (Low-Income Home Energy Assistance Program)
State program. Run by Pennsylvania Department of Human Services, through the County Assistance Offices.
LIHEAP gives cash grants to help pay heating bills. Its crisis benefits are for a heating emergency, such as broken heating equipment or leaking lines that must be fixed or replaced, or a lack of fuel.
Who it is for: Renters and homeowners who meet income requirements set by household size. You do not need to be on another public assistance program or have unpaid heating bills to qualify.
How to apply: the official page or call 1-866-857-7095.
Checked on November 11, 2026, from the program's own page.
PENNVEST Homeowner Sewage Program
State program. Run by Pennsylvania Infrastructure Investment Authority (PENNVEST), with the Pennsylvania Housing Finance Agency and the Department of Environmental Protection.
Loans, secured by a mortgage on the home, for homeowners who need to repair or replace their on-lot septic system or make a first-time connection to a public sewer from an existing home.
Who it is for: Pennsylvania residents improving their primary residence. There are no restrictions on household income; borrowers are checked for their ability to repay the loan.
How to apply: the official page or call 1-855-827-3466.
Checked on November 11, 2026, from the program's own page.
Single Family Housing Repair Loans and Grants (Section 504 Home Repair)
Federal program. Run by U.S. Department of Agriculture, Rural Development.
Loans to low and very-low-income homeowners to repair, improve or modernize their homes, and grants to elderly very-low-income homeowners to remove health and safety hazards.
Who it is for: Homeowners who occupy the house, cannot get affordable credit elsewhere and are within the income limit for their county; grants are for homeowners aged 62 or older. Only in areas USDA counts as rural: its Eligibility Site checks an address.
How to apply: the official page.
Checked on November 11, 2026, from the program's own page.
Weatherization Assistance Program
State program. Run by Pennsylvania Department of Community and Economic Development (DCED), through a local weatherization agency in each county.
Makes homes more energy efficient. After an energy audit of the home, the work can include air sealing, insulation, changing or replacing the heating system for efficiency or safety, and minor repairs or health and safety measures needed for the weatherization work.
Who it is for: Low-income individuals, with priority given to higher risk residents such as the elderly, disabled individuals, families with children and high energy users.
How to apply: the official page.
Checked on November 11, 2026, from the program's own page.