Pennsylvania Housing Finance Agency - Loan Programs
Access Downpayment and Closing Cost Assistance
Provides a deferred mortgage payment loan, with no interest.
Eligibility: - Applicants must be homebuyers who are persons with a disability or have a family member(s) living in the household with a permanent disability who are purchasing a new or existing home.
- Applicants who are purchasing a home in an area that is not eligible for HOMEstead may apply for this loan in conjunction with a first mortgage under the Agency's Keystone Home Loan, Keystone Government Loan, HFA Preferred Risk Sharing or HFA Preferredprograms without Advantage Assistance.
- Applicants must meet all of the Agency's underwriting guidelines for the program they are applying for.
- Applicants must also need a PHFA Access Home Modification loan.
- The household income of the applicants obtaining an Access Downpayment and Closing Cost Assistance loan must comply with the applicable program's income and purchase price limits (if applicable) and cannot exceed 80 percent of the statewide family median income as determined by the Federal Department of Housing and Urban Development.-Applicants must meet the remaining underwriting guidelines of the first mortgage.
- Borrowers must require maximum financing.
Hours: Monday through Friday, 8:00am to 5:00 pm
Phone/FAX Numbers
  • (800) 822-1174 Main
Intake Procedure: The loan application, processing, and closing is handled by a network of participating lendersthat have been approved and trained by the Agency - check the web for current list.
Fee Amounts: The Access Downpayment and Closing Cost Assistance mortgage loans are interest free and have no fees.
Geographical Area: Pennsylvania
Helpful Tips: Mortgage amounts not less than $1,000 and no more than $15,000. Funds will be available on a first come, first serve basis.
This is a non-interest-bearing loan with no monthly payment. The loan becomes due and payable upon sale, transfer, or non-owner occupancy of the property.
Services:
  • Housing Down Payment Loans/Grants
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* The community resource directory information is up to date to the best of our knowledge. However, you should always call the provider to confirm this information and make an appointment. Be sure to confirm payment information with the provider, if payment is required. Pennsylvania 211 does not rate, recommend or endorse any agency. We simply provide information as a public service.
Pennsylvania Housing Finance Agency - Loan Programs
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