Homebuyers Start Here – Pennsylvania Housing Finance Agency (PHFA) | Pennsylvania grant

Homebuyers Start Here – Pennsylvania Housing Finance Agency (PHFA)

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Pennsylvania Housing Finance Agency (PHFA)PAFirst-Time Homeowner

Funding: Provides down payment and closing cost assistance typically up to about 6000 dollars through programs such as Keystone Advantage or other PHFA second mortgage options, with some sub programs offering higher amounts or different structures depending on funding source.State housing finance agency program that offers 30 year fixed rate mortgages paired with down payment and closing cost assistance delivered as zero interest or forgivable second mortgages.RollingDeadline: Scope: Statewide (Pennsylvania)state

Updated: Dec 6, 2025

Summary

Statewide agency providing a suite of mortgage, down payment assistance and closing cost aid programs for Pennsylvania homebuyers.

Benefits

down payment assistanceclosing cost assistancesecond mortgageforgivable loanstate housing finance agencylow interest mortgagehomebuyer education required

Who Can Apply

homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerPennsylvania homebuyer

Eligible Locations

Eligible homebuyers purchasing an owner occupied one to four unit home, condominium, or manufactured home in Pennsylvania who meet PHFA income and purchase price limits, minimum credit and debt to income guidelines, and complete required homebuyer education, often through a PHFA approved counseling agency and lender.

Eligibility

Eligible homebuyers across Pennsylvania, must meet credit/income/purchase-price criteria, complete counseling if credit < 680.

Full Description

PHFA offers home purchase loans and down payment/closing cost assistance through multiple sub-programs (e.g., Keystone Advantage, HOMEstead, etc.). Assistance may come as interest-free second mortgages, forgivable loans, or grants up to $6,000 (or more in specific programs). Buyers must contact a PHFA-approved lender, attend homebuyer education, and meet program eligibility.

Verification & Details

Status: Open

Source: phfa.org

Official source → phfa.org

Apply on official siteUpdated Dec 6, 2025

Recommended Resource

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A complete first-time homebuyer toolkit: 9 checklists, timelines, grant guidance, worksheets + editable Excel/Google Sheet budget & affordability calculator.

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More statewide programs

Explore additional grants available throughout Pennsylvania that complement this opportunity.

Grants/Down Payment Assistance – AHCOPA

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Affordable Housing Centers of Pennsylvania (AHCOPA)PAFirst-Time HomeownerNonprofit administered grant programs that provide down payment and closing cost assistance, typically structured as forgivable or non repayable subsidies paired with required counseling and approved lender participation.

Updated: Dec 6, 2025

Non-profit organization listing multiple down payment assistance grants and programs for first-time homebuyers in various PA regions. Program amounts, eligibility, and availability vary across city/county, nonprofit, employer, seller, and lender-based sources.

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First-Time Homebuyers Program – Montgomery County PA

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Montgomery County Department of Housing & Community DevelopmentPAFirst-Time HomeownerCounty administered zero interest subordinate loan that provides down payment and closing cost assistance to eligible first time buyers purchasing in Montgomery County.

Updated: Dec 6, 2025

County-level homebuyer assistance providing meaningful support toward upfront purchase costs for eligible first-time buyers.

Eligible for: First-time homebuyers (or not owned a home in last 3 years), income below area median, purchaser must live/work in county, complete counseli…

Funding: Offers assistance up to 10000 dollars or up to 10 percent of the home sale price, whichever is less, structured as a zero interest loan that may be forgiven or become repayable if the home is sold, refinanced, or transferred before the required affordability period.Deadline: Rolling / first-come, funding limited RollingCounty (Montgomery County, Pennsylvania)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerMontgomery County homebuyerPennsylvania homebuyerdown payment assistanceclosing cost assistancezero interest loancounty programfirst-time buyer programhomebuyer education required

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Homebuyer Assistance Program – Pennsylvania Home Grant Center

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Pennsylvania Homebuyer Assistance CenterPAFirst-Time HomeownerOnline resource hub that aggregates and explains multiple Pennsylvania down payment and closing cost assistance programs rather than issuing assistance directly.

Updated: Dec 6, 2025

A centralized resource hub listing multiple down payment and closing cost assistance options for Pennsylvania first-time homebuyers including match grants, forgivable second-mortgage loans, employer-assisted housing programs.

Eligible for: First-time homebuyers in Pennsylvania, income/purchase-price limits apply, must complete homebuyer education and use approved lenders.

Funding: Highlights common assistance levels across featured programs, such as up to 5000 dollars in matching funds through First Front Door, up to 10000 dollars in no interest down payment and closing cost assistance through HOMEstead, and up to 8000 dollars or more through employer assisted housing and local grants, with exact amounts and terms determined by each program.Deadline: Rolling / funding limitedRollingStatewide (Pennsylvania)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerPennsylvania homebuyerdown payment assistanceclosing cost assistancematch grantforgivable loansecond mortgageprogram directoryhomebuyer education required

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Pennsylvania First-Time Homebuyer Assistance Programs – FHA.com overview

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Federal Housing AuthorityPAFirst-Time HomeownerConsumer information page that summarizes and compares multiple Pennsylvania first time homebuyer assistance programs rather than providing funds directly.

Updated: Dec 6, 2025

Marketplace overview listing key assistance programs for Pennsylvania first-time buyers including down payment/closing cost grants and low-interest mortgage options.

Eligible for: First-time homebuyers in Pennsylvania, must meet program’s criteria (income, credit, purchase-price, location), variety of statewide loan/as…

Funding: Describes typical benefit ranges for Pennsylvania programs, such as grants or second mortgages that may cover a few thousand dollars of down payment or up to around five percent of the purchase price, with exact assistance set by the underlying state or local program rather than FHA.com.Deadline: Rolling / based on programRollingStatewide (Pennsylvania)homebuyerfirst-time homebuyerPennsylvania homebuyerdown payment assistanceclosing cost assistanceinformation hubprogram comparisonstate programsfirst-time buyer resources

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Homebuyer Assistance Program – PA Homebuyer Assistance Center

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Pennsylvania Homebuyer Assistance CenterPAFirst-Time HomeownerOnline intake and referral platform that screens Pennsylvania buyers and connects them to suitable down payment, closing cost, and related assistance programs across the state.

Updated: Dec 6, 2025

A comprehensive directory and access point to multiple homebuyer assistance and grant programs across Pennsylvania, including down payment & closing cost help.

Eligible for: First-time homebuyers (or as defined per local program), income/purchase price/credit requirements apply in Pennsylvania

Funding: Assistance amounts vary by underlying program and may include several thousand dollars in down payment or closing cost support, forgivable or deferred second mortgages, and local grant funds, with specific dollar amounts determined once a buyer is matched to a particular program.Deadline: Rolling / funding dependent RollingStatewide (Pennsylvania)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerPennsylvania homebuyerdown payment assistanceclosing cost assistanceprogram directoryintake and referralstate programshomebuyer education support

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City of York Business Grants & Loans

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City of York, PennsylvaniaPASmall Business

Updated: Dec 5, 2025

Local business-support programs offering grants, loans, and microenterprise funding to York-based entrepreneurs.

Eligible for: Small businesses located within York city limits; priorities for food service, minority-owned, and neighborhood-serving businesses

Deadline: Rolling / based on funding cycles

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