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PHFA Loan Programs

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General Information
Description of Program Operates programs in three areas:
- Rental Housing Construction/Rehabilitation assists developers with low interest rate financing to build or rehabilitate multi-family rental units designed for lower or moderate income and elderly and persons with disabilities.
- Keystone Home Loan Plus Program provides the lowest PHFA interest rate to eligible first time homebuyers who do not exceed the income and purchase limits. Under this program the first time homebuyer requirement is only waived for veterans and their spouses. Borrowers may be eligible to receive a zero percent interest loan of up to $2000 for downpayment and/or closing cost assistance. Household liquid assets may not be greater than $5000 after deducting the funds needed to close on the loan.
- PHFA manages the Homeowner's Emergency Mortgage Assistance Program (HEMAP) for homeowners who, through no fault of their own, are foreclosed upon. The program provides emergency loans to help homeowners bring the mortgage up to date. Repayment begins when homeowner is financially able. HEMAP Help Center, free step-by-step guidance through the entire HEMAP application, can be accessed online at
Location Dauphin
Hours of Operation Monday-Friday, 8 am-5 pm
Contact Information
Physical Site Address 1 PO Box 8029
Physical Site City, State, Zip Harrisburg, PA 17105-8029
Mailing Address 1 PO BOX 8029
Mailing City, State, Zip Harrisburg, PA 17105-8029
Web Address
Affiliated Agency and Services
Affiliated Agency:
Pennsylvania Housing Finance Agency
This Program: PHFA Loan Programs
Affiliated Services: Pennsylvania Housing Finance Agency - Access Downpayment & Closing Cost Assistance
Pennsylvania Housing Finance Agency - Access Home Modification Program
Pennsylvania Housing Finance Agency - Affordable Home Purchase Loans
Pennsylvania Housing Finance Agency - Homeowners Energy Efficiency Loan Program (HEELP)
Pennsylvania Housing Finance Agency - PENNVEST Homeowner Septic Program
Pennsylvania Housing Finance Agency - Renovate & Repair Loan Program