Official program database FirstResponderHomePrograms

Public facts first. Not a lender.

Pennsylvania program

PHFA Home Purchase Loans

Pennsylvania route through Pennsylvania Housing Finance Agency (PHFA). Use this page to confirm the core public facts first, then decide whether you need deeper comparison output and lender-call prep.

Grant, repayable second mortgage, and forgivable second mortgage options Check official rules 2026-04-19
Agency Pennsylvania Housing Finance Agency (PHFA)
Support type Grant, repayable second mortgage, and forgivable second mortgage 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 this program appears to offer

Quick answer from published facts. Go to Pennsylvania program hub

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

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

Use the public facts first. Open the official source when a detail affects eligibility, repayment, or lender choice.

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.

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

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

  • Does PHFA Home Purchase Loans require a participating lender for this household and loan setup?
  • Which events trigger repayment for PHFA Home Purchase Loans: unknown?

Action checklist preview

What you would do next

  • Confirm whether PHFA Home Purchase Loans requires a participating lender.
  • Review the official Home purchase hub for PHFA Home Purchase Loans.
Unlock comparison and lender prep for Pennsylvania

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

These are not generic promises. They are the local, employer, public-employee, and specialty directions already sitting behind the paid layer.

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.

See deeper Pennsylvania leads

Private workspace

What paid access adds to this program

The free page gives you the public facts. Paid access turns this program into a shortlist item, comparison row, risk check, and lender-call prep surface.

If the public facts still look relevant, paid access is where you decide whether this path is stronger than your fallback.

Save for comparison

Keep this program in your shortlist

Active accounts can save this program in one click. If you still need sign-in or checkout, the same button routes you to the right next step.

Save this program for side-by-side comparison and later follow-up.

Decision output

Comparison, risk checks, and lender prep

Use the paid layer for side-by-side comparison, overlap checks, lender questions, and next-step notes tied to this exact program.

Open shortlist See deeper state leads