Pennsylvania down payment assistance, deep-checked against current state program sources.
A current inventory of state-run and state-administered assistance in Pennsylvania, plus national DPA options. Funding and rate sheets can still change after this review date.
Reviewed September 11, 2026 • Joshua Dobson, NMLS #190260
Quick comparison
| Program | Potential assistance | Published min. FICO | Repayment/Forgiveness | Biggest catch |
|---|---|---|---|---|
| PHFA Keystone Advantage Assistance Loan | Lesser of 4% of purchase price/market value or $6,000 | 660 | 0% second amortized over 10 years | Verify live funding and current lender matrix before relying on the program. |
| PHFA K-FIT | 5% of lesser purchase price/appraised value; no dollar cap | 660 | Second mortgage forgiven 10% annually over 10 years | Verify live funding and current lender matrix before relying on the program. |
| PHFA K-DATE | 8% if first-mortgage loan amount ≤$150,000; 5% if ≥$150,001; no dollar cap | 660 | 0% 30-year deferred second, no monthly payments; due sale/refi/first payoff | Verify live funding and current lender matrix before relying on the program. |
| PHFA Grant | $500 | program specific | Grant with eligible HFA Preferred first mortgage | Small grant; may be combinable with Keystone Advantage under current PHFA rules. |
| PHFA ACCESS Downpayment / Closing Cost Assistance | Up to $15,000 | program specific | 0% assistance loan under ACCESS disability program | Special disability-focused assistance; must meet ACCESS program requirements. |
| PHFA Employer Assisted Housing enhancement | Up to $8,000 Keystone Advantage assistance for eligible employees | 660 | 0% Keystone Advantage second amortized over 10 years | Requires employer participation; enhanced amount replaces the standard KAAL cap for eligible employees. |
PHFA Keystone Advantage Assistance Loan
PHFA Keystone Advantage Assistance Loan is a current state-administered homebuyer assistance option. Mortgage Navigator uses the administering agency as the controlling source and avoids filling changing details with stale third-party numbers.
Published minimum FICO: 660
PHFA K-FIT
PHFA K-FIT is a current state-administered homebuyer assistance option. Mortgage Navigator uses the administering agency as the controlling source and avoids filling changing details with stale third-party numbers.
Published minimum FICO: 660
PHFA K-DATE
PHFA K-DATE is a current state-administered homebuyer assistance option. Mortgage Navigator uses the administering agency as the controlling source and avoids filling changing details with stale third-party numbers.
Published minimum FICO: 660
PHFA Grant
PHFA Grant is a current state-administered homebuyer assistance option. Mortgage Navigator uses the administering agency as the controlling source and avoids filling changing details with stale third-party numbers.
Published minimum FICO: program specific
PHFA ACCESS Downpayment / Closing Cost Assistance
PHFA ACCESS Downpayment / Closing Cost Assistance is a current state-administered homebuyer assistance option. Mortgage Navigator uses the administering agency as the controlling source and avoids filling changing details with stale third-party numbers.
Published minimum FICO: program specific
PHFA Employer Assisted Housing enhancement
PHFA Employer Assisted Housing enhancement is a current state-administered homebuyer assistance option. Mortgage Navigator uses the administering agency as the controlling source and avoids filling changing details with stale third-party numbers.
Published minimum FICO: 660
National programs Pennsylvania buyers should also check
National Homebuyers Fund
NHF multi-state assistance may be available through participating lenders. Current lender/product terms control credit, pricing, assistance and repayment or forgiveness.
Published minimum FICO: product/lender specific
Chenoa Fund
Chenoa Fund provides FHA down-payment assistance through approved lender partners. Current matrices control credit, pricing and second-mortgage terms.
Published minimum FICO: product/lender specific
Pennsylvania's biggest DPA lesson
Pennsylvania has multiple active PHFA assistance products. V25 inventories Keystone Advantage, K-FIT, new K-DATE, the PHFA grant, ACCESS disability assistance and the EAH enhancement. HOMEstead is not listed on PHFA’s current 2026 homebuyer purchase-assistance menu and is therefore not represented as active.
Let Josh compare the available programs.
Send the city/ZIP, purchase price, credit range, household income and first-time-buyer status.