M&T Bank: First Time Homebuyer Programs

M&T Bank offers a wide range of First-Time Homebuyer Programs with the financing solutions you need and the service you want. If you’re interested in making homebuying easy and affordable. M&T is here to help. Disclosure: M&T is an Equal

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USDA Rural Development: Homeownership and Home Repair Products

USDA RD offers both home purchase and home repair loan products for those with very-low incomes to those with moderate incomes in rural Pennsylvania. Products include Direct subsidized loans for low income applicants, Guarantee loans for moderate income applicants and Direct

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PHFA: Employer Assisted Housing

The Pennsylvania Housing Finance Agency is pleased to offer an Employer Assisted Housing (EAH) Initiative to help address the issues regarding the lack of affordable housing for low- to moderate-income workers. Participating Employers who offer a monetary home purchase benefit

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PHFA: Homeowners Emergency Mortgage Assistance Program

HEMAP is a loan program designed to protect Pennsylvanians who, through no fault of their own, are financially unable to make their mortgage payments and are in danger of losing their homes to foreclosure. HEMAP funds loaned to prevent foreclosure

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PHFA: HOMEstead

Homebuyers eligible for the HOMEstead program may qualify for up to $10,000 in downpayment and closing cost assistance in the form of a no-interest, second mortgage loan. HOMEstead funds are forgiven at 20 percent per year over five years for

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PHFA: Homebuyer Counseling and Education

PHFA offers homebuyers the opportunity to receive homebuyer counseling and education through its approved counseling agencies, as well as an online program.  Click here to learn more. Contact: Kate Newton Phone: 717-780-3871 URL: http://www.phfa.org/applications/counseling_agencies.aspx Additional Information: Ongoing

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PHFA: Access Downpayment and Closing Cost Assistance

The Access assistance loan is only available to buyers who are also using the Access Home Modification Program. Buyers may be eligible for up to 15,000 in a no interest downpayment and closing cost assistance loan.  Click here to learn more.

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PHFA: Access Home Modification Loan

The Access Modification Loan offers a zero-interest loan between $1,000 and $10,000 in conjunction with a PHFA first mortgage. It allows buyers with a physical disability or a physically disabled household member to modifications to the house suit your present

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PHFA: Mortgage Credit Certificate

A PHFA Mortgage Credit Certificate (MCC) allows homebuyers to claim a tax credit for 50 percent (50%) of the mortgage interest paid per year, capped at $2,000 annually. It is a dollar-for-dollar reduction against your federal tax liability. The MCC

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PHFA: Keystone Advantage Assistance Loan

The Keystone Advantage Assistance Loan Program provides a second mortgage loan to help with the costs associated with the purchase of a home. Qualified borrowers can receive up to four percent (4%) of the purchase price or market value or

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PHFA: Keystone Home Loan

The Keystone Home Loan offers a 30-year fixed PHFA home loan with specific income and purchase price limits. If you are not a first time homebuyer, but you plan to buy a home in a Targeted county or area; or

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PHFA: First Mortgage Programs

The Pennsylvania Housing Finance Agency (PHFA) offers affordable mortgage options for homebuyers and homeowners throughout the Commonwealth. Our product offerings and housing resources available will provide consumers with assistance needed to become and remain homeowners. Click here to learn more.

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FHLBank Pittsburgh: First Front Door Downpayment and Closing Cost Assistance

The 2017 funding round of FHLBank Pittsburgh’s First Front Door (FFD) program is now open. FFD helps qualified first-time homebuyers at or below 80 percent of area median income by supplementing the funds they are required to put towards down

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