LHIFT_SouthCentralPA_Logo 1

LHIFT of South Central PA

The Local Housing Investment Fund and Trust (LHIFT) is a revolving loan fund administered by LHOP that is available within the eight county region of south central Pennsylvania (Lancaster, York, Adams, Franklin, Cumberland, Perry, Dauphin and Lebanon).

By providing flexible, below market rate loans for affordable housing and mixed-use and/or mixed-income projects, LHOP makes housing for rental and homeownership affordable to low to moderate income families in south central PA. Loans will be available for:


Up-front financing for one or more of the following activities related to the production of affordable housing and mixed-income and/or mixed-use projects:

  • Acquire site control and/or acquisition
  • Preliminary feasibility analysis (ex. environmental and historical assessments, surveying)
  • Engineering and design work
  • Obtaining land use and/or development approvals


  • Purchase and/or rehabilitation and renovation costs of affordable homes for sale or rent.
  • Preservation of affordable housing through the improvement of safety and living conditions in existing affordable housing, mixed use and/or mixed income properties.


  • Hard and soft construction costs of new or the rehabilitation of buildings into affordable homes for sale or rent.

Affordable Units in Mixed-Income Developments

  • Apartments or for sale housing set-aside for low to moderate income residents within market rate developments may receive special financing

Projects considered for loans must meet program guidelines and LHIFT underwriting standards. Mixed-use and/or mixed income projects will also be considered and financing terms will vary depending on the ratio of housing and level of affordability.

LHIFT is funded through investments from the community in the form of tax deductible and Community Reinvestment Act (CRA) credit eligible contributions and investment loans.

For more information regarding investing in LHIFT or borrowing please download a LHIFT Information Sheet or contact Ray D’Agostino at rdagostino@lhop.org / 717-291-9945 ext 104.

LHIFT Information Sheet for Applicants

LHIFT Loan Application Form

LHIFT Application Checklist

Read recent press about LHIFT:


As a non-profit 501(c)(3) corporation, LHOP relies on contributions from the community to provide the services and programs for the benefit of Lancaster County residents. As we like to say here at LHOP…”good housing is the foundation of a great community.” Please consider providing a tax deductible contribution to partner with us in building this strong foundation.


Contact Information

Street Address:
123 East King Street
Lancaster, PA 17602

(717) 291-9945
(717) 299-7840 for Fair Housing Center
(717) 291-9850 Fax

LHOP is a proud member of:
The Building Industry Association of Lancaster County
The Housing Alliance of Pennsylvania
The Lancaster Chamber of Commerce and Industry
National Fair Housing Alliance