Pennsylvania Housing Finance Agency, Williamsport, PA

Q: How do I apply for Pennsylvania Housing Finance Agency Keystone Advantage Assistance Loan in Williamsport, PA?

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

About This Program

Pennsylvania Housing Finance Agency Keystone Advantage Assistance Loan is available to homeowners in Williamsport, PA.

Second mortgage assistance for homeowners in targeted Pennsylvania communities including Williamsport. Can be used for down payment, closing costs, or home improvements in conjunction with PHFA first mortgage refinancing. Forgiven over 10 years.

Forgivable loan calculated based on home improvement needs and combined loan-to-value ratio

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

Data last verified 2026-06-09. How we verify our data.

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

FEMA Hazard Mitigation Grant Program (HMGP) Varies, no individual cap; projects typically $10K-$200K+
FEMA Increased Cost of Compliance (ICC) Coverage Up to $30,000
HUD Lead Hazard Control & Healthy Homes Varies by jurisdiction, typically $5,000-$15,000 per unit
EPA / WIIN Act Lead Service Line Replacement Varies, full line replacement cost covered in many programs

Key Details

Forgivable second mortgage up to $24,999
Must be used with PHFA first mortgage or refinance
Forgiven over 10 years of occupancy
Can cover home improvements and closing costs
Available through approved PHFA lenders

How to Apply

Get free help applying Visit Official Program Page Track this program

(855) 827-3466

A grant-savvy contractor in Williamsport, 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 Williamsport 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).
A recent utility bill for the home (energy and weatherization programs use it to confirm service and usage).
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: Available through participating lenders year-round

Questions about this program?

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

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Pennsylvania Housing Finance Agency Keystone Advantage Assistance Loan

About This Program

Key Details

How to Apply

Your application paperwork

Questions about this program?

Frequently asked questions

Need a Contractor for This Grant?

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