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Below is a list of eligible
improvements for the PHIL Loan program. If you do not see
your desired improvement on this list, check
Ineligible Improvenments.
Generally, improvements must become part of the real estate
as opposed to personal property.
Eligible Improvements*
Abutments
Acoustical tile
Additions to structures
Air conditioning - central
Aluminum panels
Asphalt siding
Attic fans
Awnings
Basements
Bathrooms (fixtures & connections)
Bathtubs, enclosures
Black topping
Blinds; venetian, vertical
Blowers; furnace
Boilers
Brick shingles or siding
Burglar alarms - hard wired
Burners; furnace, oil, gas
Cabinets
Carpet: wall-to-wall
Casements, window
Ceilings
Chimneys
Curbing
Decks: not for hot tub use or around a swimming pool
Dishwashers (permanent)
Doors
Downspouts
Driveways
Elevators
Exhaust fans
Exterior finishing work
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Fans: permanently attached
Fences
Fire doors
Fire escapes
Fire sprinkler systems
Fireplaces (not outdoors)
Flooring
Flues
Foundations
Furnaces
Garages: attached to house
Garbage disposal units
Gas heating systems
Guard rails
Gutters
Heat control devices
Heating systems
Insulation
Jacuzzi: within bathroom
Jalousies
Kitchen cabinets; built-in
Lattice work
Laundry chutes: built-in
Laundry tubs
Lawn sprinklers: permanently installed in ground
Moulding
Oil burners
Outlets, electric
Painting
Paneling
Papering
Partitions
Patios
Paving
Piping
Plastering
Plumbing
Porches
Pumps
Radiators: permanently installed
Railings
Registers, heat
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Resurfacing
Retaining walls
Roof coatings
Roofing
Safes: permanently installed
Sanding
Sashes
Screening
Shingles
Shower doors
Shutters
Sidewalks (private)
Siding
Sills
Sinks
Sprinkler systems; fire, lawn
Stairs
Stone siding
Storm doors
Storm panels
Storm windows
Stuccoing
Termite control
Tiles; ceiling, ceramic, floor (when cemented), plastic,
mirror wall tiles
Vents
Walls
Water heaters
Water systems
Waterproofing
Weather-stripping
Windows
Wiring, electric
Wood panelling
Wood shingles
Wood siding
*The lender's agent will make a final
determination on the eligibility of the improvement based on the
description of the improvement in the contractor's estimate and
a review of the HUD's Title I Current List of
Eligible/Ineligible Improvements.
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