Homeowner Relief Program

The Homeowner Assistance Program

Introduction
The Homeowner Assistance Program (HAP) in Pittsburgh offers a lifeline to residents seeking to refurbish and enhance their residential properties. Targeted at owner-occupied homes within Pittsburgh city limits, this initiative provides financial support of up to $35,000 to address critical code violations and undertake essential improvements.

Program Overview
HAP operates on a deferred 0% interest loan model, enabling homeowners to bring their residences in alignment with city codes, enhance energy efficiency, and pursue eligible property enhancements. With funds allocated for specific uses, participants are empowered to revitalize their living spaces while ensuring compliance with municipal regulations.

Eligibility Criteria
To qualify for HAP, applicants must meet specific criteria:

• Income Limit: Individuals must not exceed 80% of the Area Median Income (AMI), as determined by the United States Department of Housing and Urban Development.
• Property Ownership: Only homeowners residing in the property to be improved are eligible.
• Tax Compliance: Applicants should not have any outstanding real estate taxes owed to the City, School, or County, or must be on a payment plan for at least six months.
• Insurance Coverage: Homeowners must possess a current homeowner insurance policy for the property in question.

Financial Assistance and Repayment Options
Under HAP, homeowners can access up to $35,000 in financial aid, structured as a 0% interest, 20-year deferred loan. This loan forgiveness program gradually reduces the outstanding balance by 10% annually, starting from the tenth year. However, if the property is sold, transferred, or vacated before the completion of the 20-year term, the remaining loan balance becomes due in full.

Application Process
Applications for HAP are typically open during specified periods, allowing interested parties to submit their requests within designated timeframes. Applicants are required to download and complete the application form, which can be submitted via email to hof@ura.org. Additionally, assistance and clarifications regarding the program can be obtained by contacting the provided phone number or email address.

Program Materials and Support
To facilitate accessibility, program summaries are available in multiple languages, including English, Arabic, Chinese, Nepali, Portuguese, Russian, Spanish, and Swahili. Free language translation services are also offered upon request, ensuring equitable access to program information and resources.

Conclusion
The Homeowner Assistance Program stands as a beacon of support for Pittsburgh residents seeking to rejuvenate their homes while adhering to municipal standards. Through targeted financial assistance, this initiative not only enhances living conditions but also fosters community resilience and sustainable urban development.