PHFA Keystone Advantage Assistance Loan
Pennsylvania Housing Finance Agency
About This Program
The Grant Map catalogs PHFA Keystone Advantage Assistance Loan in its Philadelphia, PA research directory. Directory placement does not confirm current service coverage or eligibility; verify both with the program administrator.
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
The cited program-specific URL responded on 2026-07-21; confirm current terms.
Record set last reviewed 2026-04-03. How we verify our data.
Other published resources for Philadelphia, PA, are listed below. Review each separately and ask the administrators whether they can coordinate funding for the same work:
- Basic Systems Repair Program (BSRP) Up to $25,000 in free repairs
- Weatherization Assistance Program (WAP) Up to ~$8,000 in free weatherization
- Adaptive Modifications Program (AMP) Up to $20,000 in free modifications
- Heater Hotline Free emergency heater repair
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
Some programs require contractor estimates, licenses, or inspections. A cited link may be general, so confirm the current rules with the administrator before hiring; a directory match does not guarantee contractor eligibility or funding.
You may need a contractor or estimate
Some programs for this project type ask for a license, inspection, or written estimate. Confirm the rule before contacting a contractor in Philadelphia.
Get matched with a contractorEach administrator sets its contractor rules. Confirm exact requirements directly; the cited URL may be a general agency page.
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).
Requirements vary by program and locality. Confirm the exact rules and application route with the administrator. We can help you prepare your paperwork, but you submit it yourself.
Deadline: Ongoing
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Frequently asked questions
What amount is listed for PHFA Keystone Advantage Assistance Loan in Philadelphia, PA?
The Grant Map record states: Up to $12,000 down payment assistance. Confirm the current amount and eligible costs with the administrator.
How do I apply for PHFA Keystone Advantage Assistance Loan in Philadelphia, PA?
Confirm the application route directly with Pennsylvania Housing Finance Agency; use the cited source on this page as a starting point or call 1-855-827-3466. Confirm any fee or cost with the administrator.
Need a Contractor for This Project?
Browse local listings or request an introduction. The Grant Map does not guarantee licensing, program experience, work quality, or funding.
More ways to save on this project
Rebates and discounts that may reduce project cost. Confirm eligibility and coordination rules before including one in your budget.
Find More Programs in Philadelphia, PA
This is one of several kinds of assistance that may be available. Review other programs separately and confirm whether their administrators allow coordination for the same work.
See All Programs