Pennsylvania Housing Finance Agency 211 North Front St, Harrisburg PA 17101, Harrisburg, PA 17105

Monday through Friday, 8:00am to 5:00 pm

The loan application, processing, and closing are handled by a network of participating lenders that have been approved and trained by the Agency - check the website below for a current list.

The Access Downpayment and Closing Cost Assistance mortgage loans are interest free and have no fees.

A) 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. B) 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 Preferred programs without Advantage Assistance. C) Applicants must meet all of the Agency's underwriting guidelines for the program they are applying for. D) Applicants must also need a PHFA Access Home Modification loan. E) 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.

PA