PHFA Keystone Advantage Assistance Loan

Pennsylvania Housing Finance Agency

Available Down Payment

About This Program

Forgivable second mortgage loan providing down payment and closing cost assistance to first-time homebuyers purchasing in Pennsylvania. Loan is forgiven after 10 years of occupancy.

Forgivable loan for down payment or closing costs; no repayment if home occupied 10 years

Key Details

  • Up to $6,000 forgivable loan for down payment/closing costs
  • Must be first-time homebuyer
  • Income limits vary by county (typically up to 120% AMI)
  • Loan forgiven after 10 years of occupancy
  • Must be paired with PHFA first mortgage

How to Apply

Get free help applying Visit Official Program Page Track this program

(855) 827-3466

A grant-savvy contractor in Hazleton, PA can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

Deadline: Ongoing subject to funding availability

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