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Pennsylvania down payment assistance programs

Quick answer

Pennsylvania buyers can get down payment help from Urban Redevelopment Authority of Pittsburgh. We verified 3 statewide programs, including Down Payment and Closing Cost Assistance Program (DPCCAP) (Up to $7,500 (under 80% AMI); up to $5,000 (80-115% AMI)). Most programs require using the agency's first mortgage, meeting income limits and completing homebuyer education. Details below come from the official agency site.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsPrograms last verified

What down payment assistance does Pennsylvania offer?

ProgramAmountTypeMin. creditFirst-time only?
Down Payment and Closing Cost Assistance Program (DPCCAP)Up to $7,500 (under 80% AMI); up to $5,000 (80-115% AMI)Deferred-payment loanNot statedYes
Keystone Forgivable in Ten Years (K-FIT)5% of the lesser of purchase price or appraised value, no maximum dollar limitForgivable loan660See program
Philly First HomeUp to $10,000 (or 6% of the home's purchase price, whichever is lower)Grant (no repayment)Not statedYes

How do I apply for Pennsylvania down payment assistance?

  1. Find a participating lender approved by Urban Redevelopment Authority of Pittsburgh.
  2. Get pre-approved for the agency's first mortgage and confirm you meet income and price limits.
  3. Complete the required homebuyer education course.
  4. Your lender reserves the assistance when you go under contract.

Cities in Pennsylvania

PhiladelphiaPittsburghAllentownReadingErieBethlehemScrantonLancasterLevittownHarrisburg

Other states with verified programs

AlabamaArkansasCaliforniaColoradoConnecticutDelawareDistrict Of ColumbiaFloridaIdahoIllinois

Frequently asked questions

Down Payment and Closing Cost Assistance Program (DPCCAP): Up to $7,500 (under 80% AMI); up to $5,000 (80-115% AMI); Keystone Forgivable in Ten Years (K-FIT): 5% of the lesser of purchase price or appraised value, no maximum dollar limit; Philly First Home: Up to $10,000 (or 6% of the home's purchase price, whichever is lower).

Most verified programs here target first-time buyers or have eligibility exceptions; check each program's official page.

Published minimums range from 660 to 660 among the programs we verified.

Sources

Data last updated October 25, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.