Energy Efficiency Resources

Programs for Homeowners

Weatherization Assistance Program(WAP) – PA DCED

The Weatherization Assistance Program helps income‑eligible Pennsylvania households reduce energy costs and improve home comfort through no‑cost upgrades such as insulation, air sealing, heating system repairs, and ventilation improvements. Eligibility is based on household income at or below 200% of the Federal Poverty Level, with priority for older adults, people with disabilities, families with children, and households with high energy burdens. Renters may also qualify with landlord approval. More information and local agency contacts are available at: https://dced.pa.gov/programs/weatherization-assistance-program-wap/

Homeowners Energy Efficiency Loan Program (HEELP) – PHFA

The Homeowners Energy Efficiency Loan Program provides 1% fixed‑rate, 10‑year loans to help Pennsylvania homeowners afford essential energy‑saving repairs such as insulation, air sealing, windows and doors, heating/cooling system replacements, and roof repairs. Loans range from $1,000 to $10,000, with income eligibility generally set at 80% of Area Median Income, with some flexibility up to 150% AMI. Homeowners apply through the Pennsylvania Housing Finance Agency, which reviews eligibility and coordinates approved contractors. Program details are available at: https://www.phfa.org/programs/heelp.aspx.

Keystone Energy Efficiency Program (KEEP) – PA DEP

The Keystone Energy Efficiency Program offers low‑interest loans to help homeowners finance energy‑efficient upgrades such as insulation, HVAC improvements, windows, and whole‑home retrofits. KEEP is designed to make energy‑saving improvements more accessible for households seeking to reduce utility bills and improve comfort. Eligibility varies by project type and lender requirements, and homeowners can apply through participating financial institutions. More information is available at: Keystone Energy Efficiency Program KEEP Home Energy Loan | Department of Environmental Protection | Commonwealth of Pennsylvania

USDA Single-Family Housing Repair Loans & Grants (Section 504)

The USDA Section 504 program provides loans and grants to very‑low‑income rural homeowners to repair, improve, or modernize their homes, including projects that improve energy efficiency or address health and safety hazards. Loans up to $40,000 are available to eligible homeowners, and grants up to $10,000 are available to homeowners aged 62 or older who cannot repay a loan; combined assistance may total $50,000. Eligibility is based on income, rural location, and homeownership status. More information is available at: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants