Pennsylvania Down Payment Assistance

The following mortgage down payment assistance programs were developed by the Pennsylvania Housing Finance Agency (PHFA). See more information about local Pennsylvania down payment assistance programs.

• Maximum interest-free loan of $10,000 available to those who qualify for Pennsylvania down payment assistance


• 5-year declining lien, forgiven annually at a rate of 20%


• Buyer must contribute a minimum of 3% of the purchase price toward a down payment

• Maximum interest-free loan of $3,000 for first time homebuyers who qualify for down payment assistance in Pennsylvania


• Payable only upon payoff of first mortgage, sale of property or transfer of title

• Maximum interest-free loan of $2,000 for first-time homebuyers, $1,000 for non-first time homebuyers who qualify for Pennsylvania down payment assistance

To qualify for down payment assistance in Pennsylvania, buyers with a FICO credit score lower than 660 are required to complete a homebuyer counseling and education course before closing.