Pennsylvania Housing Finance Agency (PHFA)
0% interest 10-year second mortgage for down payment and closing costs. Up to 4% of purchase price or $6,000 (whichever is less). Minimum credit score 660. Works with Conventional, FHA, VA, or RD loans. Stackable with ACCESS Modification Loan.
Credit score 660+, paired with eligible first mortgage
Deadline: Year-round through PHFA-approved lenders
Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.
This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.
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