PHFA Keystone Advantage Assistance Loan

Administered by: Pennsylvania Housing Finance Agency (PHFA) · State · Zero-Interest Loan

Funding status: Active

How much assistance

Up to 4% of purchase price or market value, or $6,000, whichever is less (Zero-Interest Loan)

No forgiveness. Repaid monthly over a 10-year term at 0% interest.

Income limits: Must meet income limits for the applicable PHFA first mortgage program. Liquid assets may not exceed $50,000 after deducting funds needed to close.
First-time buyer required: No
Credit score minimum: 660
Geographic restrictions: Available statewide in Pennsylvania. Must be paired with a PHFA first mortgage loan.
Homebuyer education required: No

Step 1: Contact a PHFA-approved participating lender. Apply through your lender who will submit the application to PHFA.