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Now more than ever, Pennsylvania families are looking for ways to cut costs wherever they can – why not start by slashing monthly utility bills? The Keystone Home Energy Loan Program, or Keystone HELP, allows families to gain control of their energy costs by increasing the energy efficiency of their homes.

Created by the Pennsylvania Treasury Department and AFC First Financial Corporation of Allentown based upon a pilot developed by the West Penn Power Sustainable Energy Fund, Keystone HELP offers affordable financing options, including rebates and low-interest loans, for Commonwealth homeowners to purchase and install energy-efficient equipment or to implement whole-house improvements.

Since the program’s inception, over 10,000 homeowners have financed more than $63 million in home improvements through Keystone HELP – home improvements that are saving $2.3 million a year on utility bills.

Keystone HELP program guidelines include:

  • All installed equipment and material must be new.
  • Rebates are available only for projects completed after the program’s effective date.
  • Loans are available only for projects initiated after the program’s effective date.
  • Eligible applicants may apply for additional rebates or loans in future years, as long as the additional projects comply with the published guidelines current at the time of application.

Applications and full program guidelines are available at

Keystone HELP differs from the Low-Income Home Energy Assistance Program (LIHEAP), which provides grants to help low-income families pay their heating bills. For more information on LIHEAP or to find out if you are eligible for a grant, please call the Stay Warm PA hotline toll-free at 1-866-550-4355 or the LIHEAP hotline toll-free at 1-866-857-7095.


Additional Resources

The Pennsylvania Low Income Home Energy Assistance Program (LIHEAP) provides home heating energy assistance grants and crisis grants to help eligible citizens pay their heating bills. Learn more...

Weatherization Assistance Program
The U.S. Department of Energy’s Weatherization Assistance Program enables low-income families to permanently reduce their energy bills by making their homes more energy-efficient.  Learn more...

Database of State Incentives for Renewables & Efficiency
This database includes state-by-state financial and regulatory incentives (such as tax credits, grants, rebates, and special utility rates) for renewable energy technologies.  Learn more...

Federal Tax Credits for Energy Efficiency
Information from ENERGY STAR on federal tax credits for home improvements, efficient vehicles, solar energy systems, and fuel cells.  Learn more...

DOE Fact Sheet: Financing an Energy-Efficient Home
This fact sheet from the Department of Energy features an overview of energy-efficient financing programs from mortgages to home improvement loans.  Learn more...

Residential Energy Services Network (RESNET)
RESNET is a national network of mortgage companies, real estate brokerages, builders, appraisers, utilities, and other housing and energy professionals. This Web site offers state contact information for certified energy raters and lenders who know how to process energy efficiency mortgages, a home energy rating systems primer, and an overview of energy efficient mortgages.  Learn more...

U.S. Department of Housing and Urban Development: Energy-Efficient Mortgage Program
The Energy-Efficient Mortgage Program is one of many Federal Housing Authority (FHA) programs that insure mortgage loans to encourage lenders to make mortgage credit available to borrowers, such as first-time homebuyers, who would not otherwise qualify for conventional loans on affordable terms.  Learn more...


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