Your real Pennsylvania affordability, the PHFA HOMEstead Downpayment & Closing Cost Assistance match, and a step-by-step plan — in 30 seconds. No email required.
Calculate your Pennsylvania number — free →Up to $10,000-$15,000 depending on county, 0% interest, forgiven over time.
Official Pennsylvania program page →Pennsylvania's main statewide option is the PHFA HOMEstead Downpayment & Closing Cost Assistance — Up to $10,000-$15,000 depending on county, 0% interest, forgiven over time. It is a deferred, forgivable loan. Cities and counties in Pennsylvania often add their own programs on top.
It depends on your income, debts and credit — the calculator applies the FHA 31%/43% DTI rule to estimate your price, then shows how much of your down-payment gap the PHFA HOMEstead Downpayment & Closing Cost Assistance could cover. Most buyers pair it with a 3% conventional or 3.5% FHA down payment.
Many state programs set a 620 minimum credit score alongside income limits based on area median income. Requirements are set by the agency — verify current terms on the official PHFA HOMEstead Downpayment & Closing Cost Assistance page before applying.