PHFA Keystone Advantage Assistance Loan

Pennsylvania Housing Finance Agency

Available Home Repair

About This Program

PHFA Keystone Advantage Assistance Loan is available in Philadelphia, PA.

Down payment and closing cost assistance of up to $12,000 as a second mortgage for eligible first-time homebuyers using a PHFA first mortgage. Repaid over 10 years at 0% interest. Can be combined with other PHFA programs.

0% interest 10-year repayment; must use PHFA first mortgage

Official program page checked live on 2026-06-22.

Data last verified 2026-04-03. How we verify our data.

In Philadelphia, PA, you can combine this program with other local help to cut your cost:

Key Details

  • Up to $12,000 for down payment and closing costs
  • 0% interest with 10-year repayment
  • Must be first-time homebuyer
  • Requires PHFA first mortgage
  • Can combine with other PHFA programs

How to Apply

Get free help applying Visit Official Program Page Track this program

1-855-827-3466

A grant-savvy contractor in Philadelphia, PA can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Philadelphia early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Ongoing

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

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Frequently asked questions

How much can PHFA Keystone Advantage Assistance Loan provide in Philadelphia, PA?

Up to $12,000 down payment assistance.

How do I apply for PHFA Keystone Advantage Assistance Loan in Philadelphia, PA?

Apply directly with Pennsylvania Housing Finance Agency using the official program link on this page or call 1-855-827-3466. There is no middleman and no fee.

Need a Contractor for This Grant?

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