Homeownership Programs
The Pennsylvania Housing Finance Agency offers home purchase loans with low interest rates and fees. The Keystone Home
Loan has the fewest eligibility requirements and the highest income and purchase price limits. Depending on where the home is
located, applicants may not even need to be a first-time homebuyer. Buyers who meet a few additional conditions may be eligible
for a Keystone Home Loan PLUS, which offers the lowest interest rate available. In addition to the first mortgage through PHFA, some applicants may also qualify for downpayment and/or closing cost assistance under the Keystone Assistance or HOMEstead loan programs.
For buyers who want to make access modifications but don't qualify for a loan through Keystone Home Loan or Keystone Home Loan PLUS, they may be able to combine the Keystone Government Loan with PHFA Access Modification assistance.
Home Purchase Loans
Assistance Loans