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

Eligibility

  • 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

How to Apply for PHFA Keystone Advantage Assistance Loan

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

Learn More About Homebuying in Pennsylvania

Cities Where This Program Is Available (17 cities across 1 state)

Available Statewide In