PHFA Keystone Home Loan + K-FIT
PHFA Keystone Home Loan + K-FIT is a forgivable 2nd 10-yr from Pennsylvania Housing Finance Agency. Available statewide in Pennsylvania. For first-time buyers. Income limit: County-based.
Amount varies by program
Listed as open as of May 2026
Available statewide in Pennsylvania.
| First-time buyer | Required |
|---|---|
| Income limit | County-based |
| Minimum credit score | 660 |
| Maximum DTI | 30% |
| Homebuyer education | Required (HFA-approved (Framework, eHome, NeighborWorks, etc.)) |
| Occupations | Statewide PA |
| Property types | 1-4 family, condo, townhome |
| Occupancy | Owner-occupied primary |
| Eligible loan products | FHA/Conv/VA/USDA |
| Sales price cap | County-based ($571,200 Bucks/Chester/Delaware example) |
| Repayment | 0% int forgiven 10% per yr |
| Forgivable | Per program structure |
| Stacking | Stacks with Keystone Home Loan |
Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.
Provider: Pennsylvania Housing Finance Agency · program details at the provider’s site.
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