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Keystone Forgivable in Ten Years (K-FIT)

Quick answer

Keystone Forgivable in Ten Years (K-FIT) is a Pennsylvania down payment assistance program from Pennsylvania Housing Finance Agency. It provides 5% of the lesser of purchase price or appraised value, no maximum dollar limit as a forgivable loan. The minimum credit score is 660. Eligibility, income limits and funding are set by the agency, so confirm current terms on its official page.

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

Who qualifies for Keystone Forgivable in Ten Years (K-FIT)?

Minimum 660 credit score for all borrowers. Can only be used for the minimum required down payment and/or closing costs.

DetailProgram terms
Assistance5% of the lesser of purchase price or appraised value, no maximum dollar limit
TypeForgivable loan
Minimum credit660
First-time buyerSee official page
Income limitsSee official page

How does Keystone Forgivable in Ten Years (K-FIT) work with an FHA loan?

Pennsylvania's 2026 FHA one-unit limits start at $541,287, which supports a price of about $560,000 with 3.5% down.

Where do I confirm current terms?

On the official page: https://www.phfa.org/programs/assistance/kfit.aspx. Programs can pause when funds run out, so confirm availability with a participating lender.

“five percent (5%) of the lesser of the purchase price or appraised value with no maximum dollar limit” — Pennsylvania Housing Finance Agency

← All Pennsylvania down payment assistance programs

Frequently asked questions

5% of the lesser of purchase price or appraised value, no maximum dollar limit, according to Pennsylvania Housing Finance Agency.

It's a forgivable loan: forgiven if you meet the occupancy period, otherwise repaid.

A minimum 660 credit score.

Sources

Data last updated October 23, 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.