Your real Pennsylvania affordability, the PHFA Keystone / HOMEstead Assistance match, and a step-by-step plan — in 30 seconds. No email required.
Calculate your Pennsylvania number — free →HOMEstead offers up to $10,000 as a no-interest second mortgage, forgiven at 20% per year over five years. The separate Keystone Advantage Assistance loan offers up to 4% of the purchase price or market value, or $6,000, whichever is less, repaid monthly over ten years at 0% interest.
Official Pennsylvania program page →Pennsylvania's main statewide option is the PHFA Keystone / HOMEstead Assistance — deferred, forgivable loan administered by the agency or organization shown on its official program page. Many cities and counties in Pennsylvania add their own programs on top, so it is worth checking all three levels.
It depends on your income, debts and credit. The calculator applies the FHA 31%/43% debt-to-income rule to estimate your price, then shows how much of your down-payment gap Pennsylvania assistance could cover. Most buyers pair it with a 3% conventional or 3.5% FHA down payment.
Many state programs set a 620 minimum credit score alongside income limits based on area median income. Exact requirements are set by the agency — verify current terms on the official PHFA Keystone / HOMEstead Assistance page before applying.