Homeowner Assistance Program
The Homeowner Assistance Program provides financial assistance to eligible homeowners for rehabilitating and improving their homes.
The Homeowner Assistance Program provides financial assistance up to $35,000 to 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.
(This program is currently not accepting new applications.)
Funding Uses
The Homeowner Assistance program (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 80% of the Area Median Income (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
2023 HAP Income Limits
To apply for HAP, borrowers must not exceed 80% of the AMI. The local AMI is determined by the United States Department of Housing and Urban Development. View a summary of 2023 AMI levels below.
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. The loan is forgiven 10% per year starting at year 10. - If the borrower sells, transfers or otherwise vacates the property prior to the 20-year loan term, the unpaid balance of the loan will be due in full
If you have questions or need assistance, please call 412-255-6694 or email HOF@ura.org.