Down payment assistance

Down payment assistance in Pennsylvania

2 programs can help buyers in Pennsylvania with a down payment and closing costs. Most are for first-time buyers with moderate incomes and are used with a participating lender.

Check which programs fit your situationDown payment assistance finder

PHFA Keystone Advantage Assistance Loan

Open · Repayable loan (0%)

The lesser of 4% of the price or $6,000

A second mortgage for down payment and closing costs, repaid monthly over 10 years at 0% interest (it isn’t forgiven). Used with a PHFA first mortgage (Keystone Home, Keystone Government or HFA Preferred).

Who qualifies: Minimum credit score of 660; no more than $50,000 in liquid assets after closing; PHFA income and price limits.

Pennsylvania Housing Finance Agency · Agency website → · Checked 2026-09-30

PHFA Keystone Due At Time of Expiration (K-DATE)

Open · Deferred loan

8% of the price for loans up to $150,000; 5% for larger loans (no dollar cap)

A 0% second mortgage with no monthly payments over a 30-year term, repaid when the term ends or you sell or refinance. It can only be used for the minimum required down payment and closing costs, and is subject to funding.

Who qualifies: Minimum credit score of 660; a PHFA first mortgage; PHFA income and price limits.

Pennsylvania Housing Finance Agency · Agency website → · Checked 2026-09-30

How assistance usually works

Most programs are a second loan with no monthly payment that is forgiven over time or repaid when you sell or refinance, and some are grants. You usually need a program first mortgage from a participating lender, a homebuyer education course and income under the program’s limit. Apply before you make offers, so your pre-approval reflects the help.

More for Pennsylvania

Pennsylvania closing costs Pennsylvania property taxes Where can I afford to buy in Pennsylvania?Down payment timeline

Programs change often; confirm the details with the agency.