Rent and Housing
Restore, Repair, Renew (RRR)
Verified · October 23, 2026 Deadline soon — check dates
Restore, Repair, Renew is a City of Philadelphia initiative that helps Philadelphia homeowners access low-interest loans to improve their homes and strengthen their communities. This is a loan program, not a grant: the participating lender offers 10-year, 3% fixed APR loans ranging from $2,500 to $50,000 to eligible homeowners, and the final loan amount must include a 10% contingency. Loans can fund home repairs that focus on health, safety, weatherization, accessibility, and quality of life.
- Organization
- Philadelphia Housing Development Corporation (PHDC) / City of Philadelphia
- Who qualifies
- Philadelphia homeowners whose primary residence needs repairs, with credit scores above 580, who have homeowners insurance, who are up to date on public utilities and taxes or are in a payment plan with the City, and who do not have L&I violations or will eliminate violations as part of the program. Additional underwriting criteria: loan-to-value ratio at or below 105% of after-rehab value, back-end debt-to-income ratio at or below 43%, and unresolved judgments for unpaid debt must be addressed.
- Income limits
- Maximum annual household income by family size (gross income of all household members): 1: $103,100; 2: $117,800; 3: $132,550; 4: $147,250; 5: $159,050; 6: $170,800; 7: $182,600; 8: $194,400; more than 8, add $11,750 per person.
- How to apply
- To apply, reach out to Clarifi, which is working with RRR clients remotely: website clarifi.org/rrr, email rrr@clarifi.org, phone 215-866-5200. Services include help determining eligibility, financial counseling, help identifying necessary repairs, connection with a participating lender, help finding a contractor, and help applying for the loan. The PHDC page states no waitlist or intake pause.
- Cost
- Loan: 10-year, 3% fixed APR, $2,500 to $50,000 (final loan amount must include 10% contingency)
- Last verified
- October 23, 2026
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