PHRP offers a 0% interest rate to help income eligible City of Pittsburgh homeowners improve their homes. The loan term can be spread over 20 years, making your payment as low as possible. Homeowners may borrow up to $25,000 for a single unit home and $35,000 for a two unit home. In combination with the loan, we offer grants for an assortment of needs, among those: repair or replace the public sidewalk, improve the exterior of the home, remove lead hazard, and provide easier accessibility for homeowners with disabilities. There is a $300.00 processing fee that can be financed as part of your 0% loan. The URA has also just introduced PHRP Plus, a new Energy Efficiency Loan Program. Under this program you will receive a $2,500 grant, higher borrowing limits up to $35,000 for a single unit home, and a longer repayment term to 25 years. Under this program a trained professional Energy Auditor will asses the energy consumption of your home and lay out a prioritized list of needed weatherization measures.