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Keystone Advantage Assistance Loan Program is sponsored by Pennsylvania Housing Finance Agency (PHFA). This program provides a second mortgage loan to help qualified borrowers with downpayment and/or closing costs. It is amortized over a ten-year term at zero percent interest.
This can be used in conjunction with PHFA first mortgage home purchase loan programs.
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Keystone Advantage Assistance Loan for Home Purchase | PHFA Homebuying Assistance PA Housing Finance Agency You skipped to and are entering the secondary navigation menu You skipped to and are entering the main content Assistance Loans available with Home Purchase Loans The program that is best for you will depend on your specific circumstances, such as your credit history and amount of cash savings, as well as your individual preferences.
A PHFA approved homebuyer education provider or participating lender can help you decide. Keystone Advantage Assistance Loan Program The Keystone Advantage Assistance Loan Program provides a second mortgage loan to help with the costs associated with the purchase of a home.
Qualified borrowers can receive up to four percent (4%) of the purchase price or market value or $6,000 (whichever is less) in downpayment and closing cost assistance to be repaid monthly. The assistance loan will be amortized over a ten year term at zero percent (0%) interest.
The Keystone Advantage Assistance can be used in conjunction with the following PHFA first mortgage home purchase loan programs : HFA Preferred™ (Lo MI), or Keystone Government loan, Buyers must meet the requirements of the applicable PHFA first mortgage program, and must also meet the requirements associated with the Keystone Advantage Program which are listed below: The Keystone Advantage Assistance requires all borrowers to have a minimum credit score of 660.
Assistance can only be used for the minimum required downpayment and/or closing costs. The minimum loan amount is $500. Borrower(s) liquid assets may not be greater than $50,000 after deducting the funds needed to close on the loan.
This includes cash and funds in checking and savings accounts, stocks, bonds, certificates of deposit and similar liquid accounts. Funds from retirement accounts such as 401(k)s, IRAs and pension funds will only be considered if they can be withdrawn without a penalty due to borrower meeting age requirement and/or being retired.
The Keystone Advantage Assistance program may not be combined with any other PHFA assistance program, with the exception of the Access Modification Loan Program . Keystone Advantage Assistance loans may be used on Conventional, FHA, VA or RD loans. All applicable FHA, VA or RD loan underwriting requirements apply, including loan to value and downpayment requirements.
According to the current listing, eligibility includes: Qualified homebuyers in Pennsylvania. Confirm the full requirements in the official notice before applying.
The current listing shows up to 4% of purchase price or market value, or $6,000 (whichever is less). Verify award ceilings, matching requirements, and allowable costs in the official notice.
Keystone Advantage Assistance Loan Program is funded by Pennsylvania Housing Finance Agency (PHFA). Verify program details on the funder's official page before applying.
This opportunity targets applicants in Pennsylvania. If your organization operates elsewhere, check the official notice for location requirements.
Start from the official opportunity page linked in this listing — it carries the sponsor's submission instructions.
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