Applying
Pennsylvania first-time home buyer programs: who qualifies
The Pennsylvania Housing Finance Agency (PHFA) offers 30-year fixed-rate mortgages through approved lenders. Its down payment help is mostly a second loan of 5% or 8% of the price, either forgiven over ten years or repaid when you sell or refinance. Keystone Home loans have county income and price limits that took effect July 1, 2026.
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