Philadelphia Water Department - Homeowners Emergency Loan Program
1101 Market Street, ARAMark Tower - 5th Floor, Philadelphia, PA 19107
To qualify for HELP, you must either: A) Receive a Notice of Defect (NOD) from PWD and need repairs Or, B) Want to replace a water service line that is made of lead. A Notice of Defect is not required for replacing a lead service line. You may apply for a HELP loan if: 1) You are the applicant, and you own the property (it may be tenant occupied). 2) The property is residential, or if mixed-use, it is primarily residential. 3) The property does not contain more than four units. 4) The payment agreements (if applicable) for the property are current. 5) The property is served by an operable water meter. 6) The applicant is not delinquent on their monthly water bill(s) for more than 2 cycles, for the property with the NOD and other properties owned by the applicant. 7) You consent to the placement of a lien on the property for the amount of the total cost of the work.
Monday through Friday, 8:00am to 5:00pm
Call for intake, or visit the website to apply online or download a paper application to be submitted by mail or email. Paper application can be sent via email.
The loan is interest-free and is repaid in installments. Interest fees only incur when loan is defaulted on
Philadelphia, PA
Other Information
Focus Population
Provides an emergency, residential customer loan program for water service line and/or sewer lateral repairs. The property must have received a Notice of Defect by the Water Department.
Philadelphia Water Department
Serves the Greater Philadelphia region by providing integrated water, wastewater, and stormwater services.