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FHA loans in Pennsylvania

Quick answer

FHA loans in Pennsylvania require 3.5% down with a 580+ credit score; on a $240,500 home that's about $8,418. County FHA limits start at $541,287 for one-unit homes in lower-cost areas.

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

FHA loan snapshot for Pennsylvania

ItemEstimate
Minimum down payment3.5%
Minimum credit score580
Typical PA home value$240,500
3.5% down on typical home$8,418
20% down on typical home$48,100
Avg. effective property tax1.35%/yr (~$270/mo)
Income for typical home (31% rule)$79,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Which Pennsylvania programs pair with FHA loans?

  • Keystone Advantage Assistance: A 0% second loan for down payment and closing costs repaid over 10 years.
  • Keystone Forgivable in Ten Years (K-FIT): Assistance forgiven over 10 years for eligible buyers.

Details and current limits: Pennsylvania Housing Finance Agency (PHFA).

Who is an FHA loan best for?

FHA is designed for buyers with modest savings or credit that's still being built. Because the government insures the lender against loss, lenders can approve borrowers they might otherwise decline.

  • Credit scores between 580 and 680.
  • Debt-to-income ratios up to about 50% with compensating factors.
  • Buyers using gift funds for the entire down payment.
  • Buyers who had a bankruptcy 2+ years ago or foreclosure 3+ years ago.

How much does FHA mortgage insurance cost?

The upfront premium (UFMIP) is 1.75% of the base loan amount and is usually rolled into the loan. The annual premium for most 30-year loans is 0.55% of the balance, paid monthly. With less than 10% down, annual MIP lasts for the life of the loan; with 10% or more, it ends after 11 years. Many owners later refinance into a conventional loan to drop MIP.

FHA loans in Pennsylvania cities

FHA in PhiladelphiaFHA in PittsburghFHA in AllentownFHA in ReadingFHA in ErieFHA in BethlehemFHA in ScrantonFHA in LancasterFHA in LevittownFHA in HarrisburgFHA in YorkFHA in Wilkes-BarreFHA in AltoonaFHA in State CollegeFHA in NorristownFHA in ChesterFHA in Bethel ParkFHA in Drexel HillFHA in HazletonFHA in EastonFHA in MonroevilleFHA in WilliamsportFHA in PlumFHA in LebanonFHA in King of PrussiaFHA in PottstownFHA in Allison ParkFHA in ChambersburgFHA in New CastleFHA in CarlisleFHA in BaldwinFHA in MurrysvilleFHA in West MifflinFHA in West ChesterFHA in PhoenixvilleFHA in LansdaleFHA in JohnstownFHA in Colonial ParkFHA in McKeesportFHA in FullertonFHA in HanoverFHA in HermitageFHA in HorshamFHA in WeigelstownFHA in Franklin ParkFHA in WhitehallFHA in GreensburgFHA in HersheyFHA in IndianaFHA in ArdmoreFHA in WilkinsburgFHA in DunmoreFHA in Willow GroveFHA in EphrataFHA in Carnot-MoonFHA in MontgomeryvilleFHA in PottsvilleFHA in WashingtonFHA in KingstonFHA in Coatesville

Frequently asked questions

Yes. FHA loans are available statewide in Pennsylvania through approved lenders, subject to county loan limits where they apply.

Often yes. Pennsylvania Housing Finance Agency (PHFA) and local programs frequently pair assistance with FHA, conventional, VA or USDA first mortgages. Eligibility depends on income, price and program rules.

Answer a few questions on Purchase Mortgage Loan and we'll match you with lenders and loan officers in our network who serve Pennsylvania.

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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.