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PAdeferred loanactive
PHFA Keystone Advantage Assistance
Pennsylvania Housing Finance Agency
Up to $8,000 second mortgage, 0% interest, 10-year term
Overview
Up to $8K for down payment/closing — 0% interest second loan you pay back over 10 years.
Detailed requirements
Pairs with PHFA first mortgage. Up to $8,000. 0% interest, 10-year term. Min credit 660. Income/purchase price limits vary by county.
Eligibility at a glance
- Min credit score
- 660
- Owner-occupied required
- Yes
- Homebuyer education required
- Yes
Ready to apply?
A free grant specialist walks you through eligibility and the official application in one short call.
Last verified 2026-09-02. Updated weekly. Always confirm details on the official program page before applying.