Pennsylvania · Subsidized loan

PHFA Keystone Government Loan

Below-market rate, no income or price limits

Below-market FHA/VA/USDA first mortgage. No income limits, no price limits, no first-time buyer requirement.

PHFA's Keystone Government Loan program pairs competitive first mortgage rates with DPA for buyers using FHA, VA, or USDA financing. The program combines state and federal resources to reduce total homebuying costs.

AmountBelow-market rate, no income or price limits

TypeSubsidized loan

Available inPennsylvania

First-time buyer requiredNo

Minimum credit score620

Multi-unit eligibleYes — 1-4 units

House-hack eligible

No first-time buyer requirement. Repeat buyers can use this with FHA on multi-unit properties.

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 HOMEstead $10,000

Pennsylvania · Forgivable loan

PHFA Keystone Advantage $6,000

Pennsylvania · 0% interest loan

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