Pennsylvania · Forgivable loan

PHFA HOMEstead

$10,000

Up to $10,000 at 0% interest. Forgiven at 20% per year — fully free after 5 years.

PHFA's HOMEstead program provides DPA using federal HOME funds for buyers in targeted Pennsylvania communities. The program directs resources to neighborhoods where homeownership investment stabilizes property values and encourages community development.

Amount$10,000

TypeForgivable loan

Available inPennsylvania

First-time buyer requiredYes

Minimum credit score660

Multi-unit eligibleYes — 1-4 units

House-hack eligible

Forgiven faster than K-FIT (5 years vs 10). Good for buyers who plan to stay 5+ years.

Programs that pair with this

FHA Loan Saves ~$33,000 on a $200K home vs 20% down

Federal · Subsidized loan

VA Loan $0 down + no monthly mortgage insurance

Federal · Federal benefit

NACA Program $0 down + $0 closing + $0 PMI + below-market rate

National · Nonprofit program

PHFA K-FIT (Forgivable in Ten Years) 5% of price — no cap. $20K on a $400K home, fully forgiven

Pennsylvania · Forgivable loan

PHFA Keystone Advantage $6,000

Pennsylvania · 0% interest loan

PHFA Keystone Government Loan Below-market rate, no income or price limits

Pennsylvania · Subsidized loan

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