Buying
First-Time Buyer Programs in Pennsylvania
Gage Stump•August 5, 2026
Back to Journal
From PHFA loans to down payment assistance, Pennsylvania offers several programs that make first-time homeownership more attainable.
Programs worth knowing
Pennsylvania first-time buyers have access to several state-backed programs designed to reduce the upfront cost of homeownership.
PHFA (Pennsylvania Housing Finance Agency)
The PHFA offers conventional, FHA, VA, and USDA loan options with competitive rates, plus down payment and closing cost assistance for qualifying borrowers.
Keystone Advantage Assistance Loan
A second mortgage that can cover up to 4% of the purchase price for down payment and closing costs, repaid over 10 years.
What to gather first
- Two years of tax returns
- Recent pay stubs
- A list of monthly debts
- A rough idea of your target price range
Getting pre-approved before you tour homes makes your offer stronger and clarifies what you can comfortably afford.
Keep Reading