Allegheny County Home Repair Loans: AHILP (2026)

A loan, not a grant — but a genuinely cheap one

Run by the Redevelopment Authority of Allegheny County (RAAC), AHILP is structured as two loan tiers rather than a grant: an Emergency/Priority Improvement Loan at 0% interest for smaller, urgent jobs, and a General Improvement Loan at 1% interest for larger repairs, both secured against your home. Neither is forgivable — you'll make payments over the loan term (up to 200 or 240 months) — but the interest rates are far below what a bank would offer for an unsecured home-improvement loan.

Eligibility and how to apply

• Coverage area: Allegheny County, but explicitly excluding the City of Pittsburgh, McKeesport, Penn Hills, Trafford, McDonald, and Sewickley Hills — those have their own programs.
• Income (effective April 2025): roughly $60,100 to $113,350 depending on household size.
• Property: owner-occupied single-family home; current on property taxes; acceptable credit history required.
• Emergency/Priority Improvement Loan: 0% interest, $2,000–$18,000, up to 200 months, no processing fee.
• General Improvement Loan: 1% interest, $3,000–$23,000, up to 240 months, $375 financeable processing fee.
• Apply: through the Redevelopment Authority of Allegheny County — see alleghenycounty.us.

Pro tip from our network contractors

Because acceptable credit history is required, check your credit report before applying — a low-interest program like this can still turn you down for the same credit issues a bank would flag.

If you live in Pittsburgh, McKeesport, or one of the other excluded cities

AHILP won't cover you inside those municipalities. Pittsburgh's own Homeowner Assistance Program (HAP) has been closed to new applicants since March 2025 with no newer round announced — see our home repair grants by city and county guide for its current status, and Pennsylvania's broader (currently unfunded) statewide options in our government home repair grants by state guide.