PHFA HOMEstead Down Payment Assistance

About This Program

No-interest second mortgage up to $10,000 for down payment and closing costs. Forgiven 20% per year over 5 years if homebuyer stays. Must be used with PHFA Keystone Home Loan. Not available in all PA counties — verify Allegheny County availability.

First-time buyer, paired with PHFA Keystone Home Loan

Key Details

• Forgiven at 20%/year — fully forgiven if you stay 5 years
• 0% interest second mortgage, minimum $1,000
• Must use PHFA Keystone Home Loan as first mortgage
• Verify Allegheny County availability at phfa.org

How to Apply

Deadline: First-come, first-served — check phfa.org for availability