5% of purchase price with NO dollar cap. Forgiven at 10% per year over 10 years. The best PA program.
Pennsylvania's K-FIT (Keystone Forgivable in Ten Years) program provides up to 5% of the purchase price with no dollar cap as a forgivable grant. Live in the home for 10 years and the entire amount disappears — no repayment required. There are no income limits on who can apply, making K-FIT one of the most accessible DPA programs in the country.
For a $400K duplex, that's $20,000 in free money. The program pairs with PHFA's first mortgage products and works on 1-4 unit properties. K-FIT's combination of no income limits, no dollar cap, and full forgiveness after 10 years makes it one of the strongest DPA programs nationally for aspiring landlords.
Pair with FHA on a multi-unit. 5% forgiven over 10 years with no dollar limit is exceptionally generous.
We'll show you how to combine PHFA K-FIT (Forgivable in Ten Years) with other programs to maximize your free money — personalized to your ZIP code and income.