Grants, forgivable loans, and subsidized mortgages — many Pennsylvania buyers qualify for $41,000+ in assistance and don't even know it.
Find your programs →Click any program for full details, eligibility, and how to apply.
5% of purchase price with NO dollar cap. Forgiven at 10% per year over 10 years. The best PA program.
Forgivable loanHouse-hack eligibleUp to $10,000 at 0% interest. Forgiven at 20% per year — fully free after 5 years.
Forgivable loanHouse-hack eligibleUp to 4% of purchase price or $6,000 at 0% interest. Repaid over 10 years.
0% interest loanHouse-hack eligibleBelow-market FHA/VA/USDA first mortgage. No income limits, no price limits, no first-time buyer requirement.
Subsidized loanHouse-hack eligibleConventional loan with reduced mortgage insurance. No first-time buyer requirement, no purchase price limit.
Subsidized loanHouse-hack eligibleUp to $10,000 or 6% of purchase price. Interest-free, forgiven after 15 years of occupancy.
Forgivable loanUp to $15,000 grant via Wells Fargo partnership. True grant — no repayment.
Grant3.5% down payment with 580+ credit. The most popular first-time buyer loan in America.
Subsidized loanHouse-hack eligibleZero down payment, no PMI for eligible veterans and active-duty service members.
Federal benefitHouse-hack eligibleZero down payment for rural and suburban areas. 97% of US land qualifies.
Subsidized loan3% down with reduced mortgage insurance for low-to-moderate income buyers.
Subsidized loanHouse-hack eligible3% down with flexible funding sources including gifts and employer assistance.
Subsidized loanHouse-hack eligibleNo down payment, no closing costs, no PMI, below-market rate. Character-based lending.
Nonprofit programHouse-hack eligible50% off purchase price for teachers, law enforcement, firefighters, and EMTs.
GrantThere are 7 state-specific programs and 7 federal programs available in Pennsylvania, totaling 14 programs.
Not all programs require first-time buyer status. Several Pennsylvania programs are available to repeat buyers. 'First-time buyer' means you haven't owned a home in the past 3 years.
Yes. Many DPA programs allow 1-4 unit properties. Live in one unit and rent the others — this is called house-hacking.