Home Improvement Loan Program

AHILP offers Emergency/Priority Improvement and General Improvement Loans to eligible homeowners. In connection to receiving a loan, a grant may also be available to eligible loan recipients on a case-by-case basis to cover a portion of the costs associated with undertaking excessive code repairs, lead hazard control/reduction work, accessibility improvements, or public sidewalk repairs. Grants are only available as funding is available and are subject to change. Grants are only available in connection with receiving a loan.

Emergency/Priority Improvement Loans

Financing for the repair of code violations or emergency conditions that present health and safety hazards.

• Interest Rate: 0%
• Minimum Loan Amount: $2,000
• Maximum Loan Amount: $10,000
• Processing Fee: $0
• Loan Term: Based on Loan Amount - up to 240 months
• Collateral: Mortgage-secured

General Improvement Loans

For the rehabilitation and improvement of single-family residential properties.

Borrowers must use a portion of the loan to correct code violations, if any, and to undertake lead-hazard remediation activities, if applicable (Please check out the information about HUD's Lead-Safe Housing Rule).

Remaining loan funds may be used for energy-related improvements and general property improvements.

• Interest Rate: 1%
• Minimum Loan Amount: $3,000
• Maximum Loan Amount: $23,000
• Processing Fee: $375.00 (may be financed as part of the loan)
• Loan Term: Based on Loan Amount - up to 240 months
• Collateral: Mortgage-secured

Examples of eligible work include but are not limited to:

• Electrical and plumbing
• Kitchen remodeling
• Flooring
• Retaining walls
• General remodeling
• Roof Replacement
• Lead-hazard reduction
• Siding
• Bathroom remodeling
• Heating and cooling systems
• Structural repairs
• Windows and/or doors
• Water or sewage system connections
• Water, sewer and/or gas line repairs
• Accessibility improvements

Your home must be a residential, single-family dwelling located in Allegheny County, but homes in the following municipalities are not eligible for funding through AHILP:

• City of Pittsburgh (all wards)
• City of McKeesport (all wards)
• Penn Hills
• Trafford
• McDonald

Your home must be a residential, single-family dwelling and you must occupy it year-round as your principal residence.

Your property must be deeded in the name of a natural person (versus in the name of any type of corporation, trust, or other entity) and such natural person must have at least 1/2 ownership interest.

Total gross household income may not exceed the following limits, effective June 6, 2023:

Please Note: The income limits for AHILP have been revised effective June 6, 2023. All applications received after June 6, 2023, will be subject to the revised income limits outlined in the "Eligibility Requirements" section.

Note: Income limits are determined by the U. S. Department of Housing and Urban Development (HUD) and are subject to change.

Additional Requirements

• Property taxes must be current/paid up to date.
• Borrowers must have an acceptable credit history.
• Building code violations and immediate lead hazards must be addressed, whenever applicable.
• Work must be completed by a professional contractor who meets AHILP minimum contractor requirements, including insurance requirements.