Program
Pennsylvania 0% loans for home changes and devices
Low-cost loans from a nonprofit for devices and home modifications. This is a loan, not a grant.
What it can pay for
- ramps
- stair lift
- bathroom changes
- assistive devices
- medical equipment
- Official name
- Pennsylvania Assistive Technology Foundation (PATF) — Mini-Loans (0%) and Low-Interest Loans for home modifications and assistive technology
- Where
- PA
- Status
- Program running
- Most it pays
- $7,000 per-project
- About the amount
- Mini-Loan: $100-$7,000 at 0% interest, minimum $20/month, up to 4 years. Low-Interest Loan: over $7,000 at 3.75%, up to $60,000 (traditional) or $45,000 (PATF-guaranteed). Home modifications get up to a 10-year repayment term. A partial Mini-Grant up to $1,000 (one-time) can reduce a loan under $7,000, only when funds are available and household income is at/below 200% FPG.
- Housing rules
- PATF's pages don't state whether renters can borrow for home modifications or whether the loan is secured by the house; confirm with PATF, and get landlord written permission before any modification.
- How long it takes
- Check (to borrower and vendor) typically within a week after signed, notarized closing documents are returned.
- How to apply
- Call for a paper packet, download the PDF application (English or Spanish), or apply online; a vendor quote is required with every application.
- Does not pay for
- Not for roofs, furnaces, or general home repairs.
- Official source
- patf.us
- Last checked
- September 28, 2026