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Pennsylvania program

PHFA Home Purchase Loans

Pennsylvania route through Pennsylvania Housing Finance Agency (PHFA). This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.

Multiple assistance options Multiple repayment paths 2026-04-19
Agency Pennsylvania Housing Finance Agency (PHFA)
Support type Multiple assistance options
Amount highlight $500 PHFA Grant for HFA Preferred borrowers; Keystone Advantage up to 4% of purchase price or market value or $6,000, whichever is less; K-FIT provides 5% of the lesser of purchase price or appraised value with no maximum dollar limit.
Last verified 2026-04-19

Decision-ready public facts

What stays free on this program page

Quick answer from published facts. Use this first, then jump to Go to Pennsylvania program hub if you need the wider state context.

Amount

$500 PHFA Grant for HFA Preferred borrowers; Keystone Advantage up to 4% of purchase price or market value or $6,000, whichever is less; K-FIT provides 5% of the lesser of purchase price or appraised value with no maximum dollar limit.

Type

Multiple assistance options

Grant, repayable second mortgage, and forgivable second mortgage options

Repayment

Varies by subprogram: PHFA Grant does not require repayment; Keystone Advantage is amortized over a 10-year term at 0% interest and repaid monthly; K-FIT is forgiven annually over 10 years at 10% per year.

First-time buyer

Unknown

Program guide

What to know before you click through

This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.

Who qualifies?

HFA Preferred borrowers, Keystone Home borrowers, Keystone Government borrowers, First-time homebuyers, Discharged veterans, Buyers in targeted counties or areas

What support do you get?

$500 PHFA Grant for HFA Preferred borrowers; Keystone Advantage up to 4% of purchase price or market value or $6,000, whichever is less; K-FIT provides 5% of the lesser of purchase price or appraised value with no maximum dollar limit.

Do you repay it?

Varies by subprogram: PHFA Grant does not require repayment; Keystone Advantage is amortized over a 10-year term at 0% interest and repaid monthly; K-FIT is forgiven annually over 10 years at 10% per year.

How do you apply?

Start with a PHFA participating lender; PHFA does not handle the mortgage application process directly.

Application timing

Apply through a PHFA participating lender; lender locks are made in PHFA Pipeline Plus after borrower/property eligibility is set, complete packages are due by lock expiration, and PHFA requires four business days to process loans for funding.

Official source evidence

PHFA statewide purchase-loan hub pairs multiple first mortgages with grants, zero-percent repayable assistance, and 10-year forgivable second-mortgage options through participating lenders.

View official source

Last verified

2026-04-19

Effective date not captured.

Paid preview

What paid access adds for PHFA Home Purchase Loans

See the shape of the comparison output, risk checks, lender questions, and next-step checklist before you decide whether this program is worth carrying into the paid layer.

Example paid output for this program. The free page stays visible either way.

Comparison preview

PHFA Home Purchase Loans

Amount: $500 PHFA Grant for HFA Preferred borrowers; Keystone Advantage up to 4% of purchase price or market value or $6,000, whichever is less; K-FIT provides 5% of the lesser of purchase price or appraised value with no maximum dollar limit.

Repayment: Varies by subprogram: PHFA Grant does not require repayment; Keystone Advantage is amortized over a 10-year term at 0% interest and repaid monthly; K-FIT is forgiven annually over 10 years at 10% per year.

First-time buyer: Unknown

Timing: Apply through a PHFA participating lender; lender locks are made in PHFA Pipeline Plus after borrower/property eligibility is set, complete packages are due by lock expiration, and PHFA requires four business days to process loans for funding.

Risk checks preview

What gets flagged before you call a lender

  • PHFA Home Purchase Loans requires a participating lender.

Lender questions preview

Questions tied to this exact path

  • Is your team approved to originate PHFA Home Purchase Loans for this household and loan setup?
  • Which document version should control PHFA Home Purchase Loans right now: program guide, fact sheet, or lender packet?

Action checklist preview

What you would do next

  • Review the official Home purchase hub for PHFA Home Purchase Loans
  • Ask whether your lender is approved for this exact program and loan structure.
Open the full Pennsylvania board

Paid research preview

What paid research already covers in Pennsylvania

Paid research already tracks city and county programs, employer-assisted paths, specialty and conditional paths for Pennsylvania.

7 tracked deeper records

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What unlocks after payment

Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.

2 tracked

city and county programs

City and county down payment or closing-cost programs that never make it into the free statewide layer.

1 tracked

employer-assisted paths

Employer-linked housing incentives and workforce programs that matter only if they fit your job or agency.

4 tracked

specialty and conditional paths

Conditional, paused, or specialty paths worth checking before you assume the state is a dead end.

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Private workspace

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Full state board

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