PHFA Keystone Advantage Assistance Loan
Pennsylvania Housing Finance Agency (PHFA)
About This Program
The Grant Map catalogs PHFA Keystone Advantage Assistance Loan in its Pittsburgh, PA research directory. The record carries audience tags for homeowners; those tags do not establish eligibility or current service coverage.
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
The cited program-specific URL responded on 2026-07-21; confirm current terms.
Record set last reviewed 2026-04-01. How we verify our data.
Other published resources for Pittsburgh, PA, are listed below. Review each separately and ask the administrators whether they can coordinate funding for the same work:
- URA Homeowner Assistance Program Up to $35,000 grant
- OwnPGH Homeownership Program Up to $90,000 grant
- URA Down Payment & Closing Cost Assistance Up to $7,500 (below 80% AMI) or $5,000 (80-115% AMI)
- URA Home Accessibility Program for Independence (HAPI) Up to $15,000 per single-unit home
Key Details
- 0% interest, 10-year amortizing second mortgage
- Up to 4% of purchase price or $6,000, whichever is less
- Minimum credit score: 660
- Works with Conventional, FHA, VA, and RD first mortgages
How to Apply
Some programs require contractor estimates, licenses, or inspections. A cited link may be general, so confirm the current rules with the administrator before hiring; a directory match does not guarantee contractor eligibility or funding.
You may need a contractor or estimate
Some programs for this project type ask for a license, inspection, or written estimate. Confirm the rule before contacting a contractor in Pittsburgh.
Get matched with a contractorEach administrator sets its contractor rules. Confirm exact requirements directly; the cited URL may be a general agency page.
Your application paperwork
Documents you will likely need
- Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
- A government-issued photo ID for every owner on title.
- A written estimate from a licensed contractor for the work (many programs require this to apply).
- Photos of the problem area or the work to be done.
- The program's own application form, completed (use the official link or phone number on this page).
Requirements vary by program and locality. Confirm the exact rules and application route with the administrator. We can help you prepare your paperwork, but you submit it yourself.
Deadline: Year-round through PHFA-approved lenders
Questions about this program?
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Frequently asked questions
What audience tags are recorded for PHFA Keystone Advantage Assistance Loan in Pittsburgh?
The directory record carries audience tags for homeowners. It also carries a no-income-limit tag. These tags do not establish eligibility; confirm the complete current rules with the administrator.
How do I apply for PHFA Keystone Advantage Assistance Loan in Pittsburgh, PA?
Confirm the application route directly with Pennsylvania Housing Finance Agency (PHFA); use the cited source on this page as a starting point or call 1-855-827-3466. Confirm any fee or cost with the administrator.
Need a Contractor for This Project?
Browse local listings or request an introduction. The Grant Map does not guarantee licensing, program experience, work quality, or funding.
More ways to save on this project
Rebates and discounts that may reduce project cost. Confirm eligibility and coordination rules before including one in your budget.
Find More Programs in Pittsburgh, PA
This is one of several kinds of assistance that may be available. Review other programs separately and confirm whether their administrators allow coordination for the same work.
See All Programs