PHFA HOMEstead Down Payment Assistance

Pennsylvania Housing Finance Agency (PHFA)

Available Home Repair

About This Program

PHFA HOMEstead Down Payment Assistance is available to homeowners in Pittsburgh, PA.

No-interest second mortgage up to $10,000 for down payment and closing costs. Forgiven 20% per year over 5 years if homebuyer stays. Must be used with PHFA Keystone Home Loan. Not available in all PA counties, verify Allegheny County availability.

First-time buyer, paired with PHFA Keystone Home Loan

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

Data last verified 2026-04-01. How we verify our data.

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

Key Details

  • Forgiven at 20%/year, fully forgiven if you stay 5 years
  • 0% interest second mortgage, minimum $1,000
  • Must use PHFA Keystone Home Loan as first mortgage
  • Verify Allegheny County availability at phfa.org

How to Apply

Get free help applying Visit Official Program Page Track this program

1-855-827-3466

A grant-savvy contractor in Pittsburgh, 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 Pittsburgh early keeps your application moving.

Get matched with a contractor

This program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.

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: First-come, first-served, check phfa.org for availability

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 HOMEstead Down Payment Assistance provide in Pittsburgh, PA?

Up to $10,000 forgivable loan.

Who qualifies for PHFA HOMEstead Down Payment Assistance in Pittsburgh?

PHFA HOMEstead Down Payment Assistance is open to homeowners in Pittsburgh, PA.

How do I apply for PHFA HOMEstead Down Payment Assistance in Pittsburgh, PA?

Apply directly with Pennsylvania Housing Finance Agency (PHFA) 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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