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Homeownership Loan Programs

The Pennsylvania Housing Finance Agency (PHFA or the Agency) offers home purchase loans with competitive interest rates and lower fees. In addition to the PHFA first mortgage, some applicants may qualify for downpayment and/or closing cost assistance through the Keystone Advantage Assistance Loan or the HOMEstead Program.

If your buyers want to make access modifications but don't qualify for a loan through Keystone Home Loan, they may be able to combine the Keystone Government Loan with PHFA Access Modification assistance.

The HFA Preferred Risk Sharing™(No MI), HFA Preferred™(Lo MI), and FHA/VA Streamline Refinance programs provide a refinance option for homeowners seeking to lower their current monthly mortgage payment on their primary residence.

Home Purchase

  • HFA Programs
  • Keystone Home Loan Program
  • Keystone Government Loan Program

 Learn more about our Home Purchase loan programs.

Purchase Assistance

  • Keystone Advantage Assistance Loan Program
  • Mortgage Tax Credit Certificate
  • Programs for Persons with Disabilities
  • HOMEstead Downpayment and Closing Cost Assistance
  • Employer Assisted Housing (EAH)

 Learn more about our Purchase Assistance loan programs.

Refinance Options

  • HFA Programs
  • FHA/VA Loans

 Learn more about our Refinance loan programs.

Home Improvements/Repairs

  • Access Home Modification Program
  • Homeowners Energy Efficiency Loan Program (HEELP)
  • Renovate & Repair (R&R)
  • Purchase Improvement Loan
  • PENNVEST Homeowner Septic Program

 Learn more about our Home Improvement & Repair loan programs.