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Property, lots & housing

Apply for a low-interest home improvement loan

The Division of Housing and Community Development (DHCD) supports the Restore, Repair, Renew Program. This program helps Philadelphia homeowners access low-interest loans to make home improvements.


To qualify for Restore, Repair, Renew, you must meet these income guidelines. Income is for all members of the household.

Household size Maximum annual household income (1)
1 $75,720
2 $86,520
3 $97,320
4 $108,120
5 $116,880
6 $125,520
7 $134,160
8 $142,800

(1) Represents 120% of Area Median Income under HUD Section 8 annual income limits, effective April 24, 2019.