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Closing Cost Assistance

PHFA logoThe Pennsylvania Housing Finance Agency (PHFA) offers a below-market interest rate to first-time and non-first-time homeowners.

PHFA also offers a down payment/closing cost assistance loan to qualifying home buyers.  Read more

Free grant money!

Drawing of a bank buildingThe Federal Home Loan Bank of Pittsburgh offers a free down payment (or closing cost assistance grant) for qualified first-time home buyer(s) in Pennsylvania, Delaware, and West Virginia. Read more

Centre county First-Time Home Buyer Program

Nice two story houseThe Centre County Housing Trust Fund offers down payment help to home buyers purchasing a home in Centre county, Pennsylvania.

A maximum of $10,000, or 10% of the sales price, may be available to qualified home buyers.

The assistance loan is paid back when the property is resold, refinanced for more than the initial purchase price, ceases to be a full-time, permanent residence of the borrower(s), or the mortgage is paid in full.


You must use the property as your primary residence - no investors allowed.

Asset limitation

The buyer's liquid assets (cash) and real property must not exceed $15,000 at the time of application, and their liquid assets (cash) must not exceed $5,000 at the time of settlement.

Sales price limititation

The purchase price can not be more than $237,000.

Note: The purchase price must be in line with the Keystone Home Loan Program of the Pennsylvania Housing Finance Agency.

Qualification based on income

You must be a first-time home buyer or have not owned a home in the past three years, as well as satisfy the non-targeted area household income restrictions.

The Housing Finance Agency of Pennsylvania (PHFA

Did you know that the state of Pennsylvania provides financing for both first-time and repeat home buyers?

For qualifying candidates, the state additionally offers a down payment and/or closing cost assistance loan. Continue reading