Purchase Assistance Programs – Pennsylvania Housing Finance Agency (PHFA) | Pennsylvania grant

Purchase Assistance Programs – Pennsylvania Housing Finance Agency (PHFA)

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Pennsylvania Housing Finance Agency (PHFA)PAFirst-Time Homeowner

Funding: Describes several assistance options including a PHFA grant of up to about 500 dollars for Own Up participants, Keystone Advantage Assistance loans up to 4 percent of the purchase price or 6000 dollars, and K FIT assistance of up to 5 percent of the purchase price that may be forgiven over time, with specific benefit level depending on the chosen program and loan type.State housing finance agency purchase assistance delivered as small grants and zero interest or forgivable second mortgages that must be paired with a PHFA first mortgage.RollingDeadline: Scope: Statewide (Pennsylvania)state

Updated: Dec 6, 2025

Summary

Statewide down payment and closing cost assistance and low-interest mortgage programs for Pennsylvania homebuyers.

Benefits

down payment assistanceclosing cost assistancegrantsecond mortgageforgivable loanstate housing finance agencyhomebuyer education required

Who Can Apply

homebuyerfirst-time homebuyerrepeat homebuyerlow-income homebuyermoderate-income homebuyerPennsylvania homebuyer

Eligible Locations

Homebuyers purchasing an owner occupied home anywhere in Pennsylvania who use an eligible PHFA mortgage product, meet PHFA income and purchase price limits, satisfy minimum credit and debt to income guidelines, and complete any required homebuyer education or counseling.

Eligibility

Buyers using PHFA mortgage programs, meet credit/income/purchase-price limits; some programs require first-time status or targeted area purchase.

Full Description

The PHFA Purchase Assistance page lists multiple programs for homebuyers including small grants (e.g., up to $500) for down payment/closing costs when paired with designated first mortgage products, assistance loans up to $6,000 or more based on percentage of purchase price, forgivable second loans for targeted buyers, and requirements including credit score minimums and homebuyer education. This suite of programs is widely accessible statewide and designed to help reduce upfront cost barriers for homeownership.

Verification & Details

Status: Open

Source: phfa.org

Official source → phfa.org

Apply on official siteUpdated Dec 6, 2025

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

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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.

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Homebuyers Start Here – Pennsylvania Housing Finance Agency (PHFA)

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Pennsylvania Housing Finance Agency (PHFA)PAFirst-Time HomeownerState 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.

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

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

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

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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.

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

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