Where to Find Free Money in Pennsylvania: Unclaimed Property & Hidden Funds

Everyone loves free money, but did you know that millions of dollars in unclaimed funds are sitting, waiting to be claimed in Pennsylvania? From forgotten bank accounts to refunds and inheritance money, you might have cash waiting for you—and claiming it is easier than you think!

In this guide, we’ll show you where to look for unclaimed money, including the Pennsylvania Treasury's Unclaimed Property website, national databases, and local grant programs that can help with home buying, repairs, and everyday expenses.

How to Check for Unclaimed Property in Pennsylvania

What is unclaimed property?
Unclaimed property includes money or valuables that have been forgotten—things like:
✔️ Uncashed paychecks
✔️ Old utility deposit refunds
✔️ Dormant bank accounts
✔️ Unclaimed insurance payouts
✔️ Safe deposit box contents

💰 Pennsylvania is currently holding over $4 billion in unclaimed property!

Step-by-Step: How to Search for Unclaimed Property in PA

✅ Step 1: Visit the Pennsylvania Treasury’s Unclaimed Property Website
🔗 Go to www.patreasury.gov/unclaimed-property

✅ Step 2: Search Your Name

Enter your full legal name (try variations, like using a middle initial).
If you’ve had multiple addresses, check under each one.
Search for relatives or deceased family members (you might be entitled to their funds).

✅ Step 3: File a Claim

If you find money owed to you, click “File a Claim.”
The site will ask for proof of identity (like a driver’s license or Social Security number).
Processing time is usually 4-6 weeks.

✅ Step 4: Get Your Money!
Once approved, you’ll receive your unclaimed funds via check or direct deposit.

Other Places to Look for Free Money

💸 1. Check for Federal Unclaimed Funds

Treasury Hunt (for old savings bonds): https://www.treasurydirect.gov
HUD Refunds (for FHA-insured loans): https://entp.hud.gov/dsrs/refunds
IRS Refunds (for unclaimed tax refunds): https://www.irs.gov/refunds

🏠 2. Homeowner & Renter Assistance Programs

PHFA Homeowner Assistance Fund – For mortgage and utility relief. https://www.phfa.org
LIHEAP Energy Assistance – Get help with heating bills. https://www.dhs.pa.gov

🎓 3. Forgotten Student Loan & 529 Accounts

Log into StudentAid.gov to check for old student loan overpayments.
Search PA529.com to see if there’s unused college savings money.

Why This Matters for Homebuyers & Sellers

If you find unclaimed money, you can put it toward:
🏡 Down payments & closing costs on a new home
🔨 Home renovations or repairs
📉 Paying down debt to improve your mortgage approval chances

Want to Make the Most of Your Free Money? Let’s Talk!

I help homebuyers and sellers in Pennsylvania and New Jersey make smart financial decisions. If you’re looking to buy a home, sell a property, or invest wisely, let’s connect!

📅 Schedule a free call with me
📩 Or email me at Shaina@MontCoLiving.com