Pennsylvania homebuyers can access up to $6,000 in down payment assistance through the Pennsylvania Housing Finance Agency (PHFA). On the state's $288,056 median home price, that covers roughly 10% of a standard 20% down payment. Pennsylvania has 3 state DPA programs total.
Primary Program: PHFA Keystone Advantage Assistance
maximum assistance
Low-interest second mortgage with monthly payments over a set term.
- Administering Agency
- Pennsylvania Housing Finance Agency (PHFA)
- Purchase Price Cap
- $481,176
Additional Pennsylvania DPA Programs
HOMEstead
Forgivable Loan$10,000
Forgiven over time if you remain in the home as your primary residence.
Apply / Learn MorePhiladelphia DPA
Forgivable Loan$10,000
Forgiven over time if you remain in the home as your primary residence.
Apply / Learn MoreHow Down Payment Assistance Works
Most state DPA programs are layered on top of a first mortgage — you apply through an approved lender who originates both the primary loan and the DPA second lien at the same closing. The DPA funds reduce the cash you need upfront.
Grants
Free money — no repayment ever. Typically the smallest amounts but highest value.
Forgivable Loans
Balance forgiven after a set period (usually 3–15 years) if you stay in the home. Selling early triggers repayment.
Deferred Loans
No monthly payments. Balance due when you sell, refinance, or pay off your mortgage.
Down Payment Calculator
Down Payment Planner
Pennsylvania median pre-loaded
Your Savings Plan
Timeline
9.7 yrs
saving $500/mo
No PMI at 20% down
20% or more avoids private mortgage insurance entirely.
Estimate only — does not include investment returns on savings.
Full Calculator →Frequently Asked Questions
What down payment assistance is available in Pennsylvania?
Pennsylvania's primary DPA program is the PHFA Keystone Advantage Assistance, administered by the Pennsylvania Housing Finance Agency (PHFA). It provides up to $6,000 as a repayable loan. Low-interest second mortgage with monthly payments over a set term. Additional programs include HOMEstead and Philadelphia DPA.
How much down payment do I need in Pennsylvania after using DPA?
On a $288,056 home (Pennsylvania median), a 20% down payment is $57,611. With the PHFA Keystone Advantage Assistance covering $6,000, your remaining gap would be $51,611. Many buyers combine DPA with a 3–5% conventional or FHA loan to reduce their cash needed further.
Do I have to repay Pennsylvania down payment assistance?
Low-interest second mortgage with monthly payments over a set term.
Can I combine Pennsylvania DPA with other assistance programs?
Yes — Pennsylvania's DPA programs can generally be combined ("stacked") with local city and county assistance programs, employer homebuyer benefits, and federal programs. Check with an approved lender or HUD-approved counselor to identify all programs you qualify for.
What are the income limits for Pennsylvania down payment assistance?
The PHFA Keystone Advantage Assistance uses a dollar-based income limit rather than a percentage of AMI. Check the Pennsylvania Housing Finance Agency (PHFA) website for current limits in your area.
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