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Pennsylvania, Rhode Island

Pennsylvania

HFA Preferred (Lo MI)

The HFA PreferredTM (Lo MI) program, offered by the Pennsylvania Housing Finance Agency (PHFA), is a conventional loan product tailored for Housing Finance Agencies (HFAs). This program provides a fully amortized 30-year fixed-rate term. PHFA collaborates with approved participating lenders, acting as the servicer throughout the loan’s life. While the lender handles the loan closing, PHFA manages the monthly payments.

Highlights:

    • 30-year fixed-rate term
    • Mortgage insurance provided by private companies for down payments below 20%.
    • Can be used with conventional, FHA, VA, or RD loan types

Eligibility:

    • Property must be the primary residence.
    • Household income must not exceed the specified limits for HFA PreferredTM.
    • The loan is for the purchase or refinance of a primary residence.
    • No first-time homebuyer requirement; borrowers can own another residential property.
    • Not applicable for mortgage loans on two-unit properties.
    • Face-to-face homebuyer education mandatory for all borrowers with a FICO score below 680.

Benefits:

    • Competitive fixed-rate term for 30 years.
    • Private mortgage insurance options for down payments below 20%.
    • PHFA involvement provides added support and oversight.
    • Qualified borrowers may receive a $500 PHFA Grant for downpayment and closing costs.
    • Completion of in-person Pre-Purchase counseling may result in a $300 credit towards closing costs.

Requirements:

    • Minimum down payment of $1,000 from the borrower’s funds; additional funds can come from gifts or assistance programs.
    • Sufficient funds needed for standard mortgage application and closing fees.
    • Acceptable credit history and the ability to make monthly payments are required.
    • Completion of pre-closing homebuyer education with an PFHA-approved counselor
    • In-person Pre-Purchase counseling for borrowers with a FICO score below 680.

How to Apply:

Note: Specific program details, rates, and guidelines may be subject to change, and applicants should check with PHFA or participating lenders for the most up-to-date information.

Keystone Home Loan Program

The Keystone Home Loan Program, offered by the Pennsylvania Housing Finance Agency (PHFA), provides eligible homebuyers with an opportunity to secure financing for their homes. This program caters to both first-time homebuyers and those who plan to buy a home in targeted counties or areas, as well as discharged veterans of the United States Armed Forces.

Highlights:

    • Tailored for first-time homebuyers, discharged veterans of the United States Armed Forces, or non-first-time homebuyers in targeted counties.
    • Applicable for homes within specified income and purchase price limits.
    • Requires acceptable credit history and the ability to make monthly payments.
    • Sufficient funds needed for mortgage application, closing fees, and downpayment.

Eligibility:

    • Non-First-Time Homebuyers who Plan to buy a home in a targeted county or area
    • Discharged veterans of the United States Armed Forces.
    • First-Time Homebuyers (all adults intending to live in the home are first-time homebuyers)
    • Gross annual household income for all adults intending to occupy the home must not exceed the program’s income limit.
    • Purchase Price must not exceed the program’s limit.
    • Acceptable credit history and ability to make monthly payments.
    • Sufficient funds required for standard mortgage application, closing fees, and downpayment.
    • Downpayment of less than 20% requires mortgage insurance.
    • Downpayment varies by loan type:
  • Conventional insured loans (PHIF): 3% to 5% minimum investment, minimum credit score of 660.
  • FHA loans: 3.5% minimum investment.
  • VA and RD loans: No downpayment in most cases; RD loans not available in certain areas.

*Note: Additional eligibility requirements may apply to FHA, VA, or RD loans.

Benefits:

    • Financing for a range of homebuyers, including non-first-time buyers and discharged veterans.
    • Options for downpayment assistance and mortgage insurance.

Requirements:

How to Apply

Note: Program details, rates, and guidelines are subject to change, and applicants should verify the most up-to-date information with PHFA or participating lenders.

Keystone Government Loan Program (K-Gov)

The Keystone Government Loan Program (K-Gov) provides first mortgage financing on loans insured by the Federal Housing Administration (FHA) or guaranteed by Rural Development (RD) or the Department of Veterans’ Affairs (VA). Loans are underwritten using the guidelines of the respective federal agency providing the insurance/guaranty. PHFA does not impose any additional guidelines except as noted below.

Highlights:

    • First mortgage financing for FHA-insured or VA/RD-guaranteed loans.
    • Underwritten following federal agency guidelines.
    • No additional PHFA-specific income or purchase price limits.
    • Not restricted to first-time homebuyers.
    • Fewer forms to sign at or before closing.

Eligibility:

    • Eligibility determined by PHFA participating lender using FHA, RD, or VA guidelines.
    • No specific PHFA income or purchase price limits; however, FHA, VA, and RD maximum loan limits still apply
    • Not required to be a first-time homebuyer.
    • Borrowers meeting PHFA’s income and purchase price limits may also apply for the Keystone Home Loan program.

Benefits:

    • Financing for FHA-insured or VA/RD-guaranteed loans.
    • Flexibility for non-first-time homebuyers.
    • No specific PHFA income or purchase price limits.
    • Streamlined closing processes.
    • Option to apply for additional assistance through the Keystone Advantage Assistance Loan.

Requirements:

    • Meet eligibility criteria set by FHA, RD, or VA.
    • Comply with federal guidelines for loan insurance or guaranty.
    • Completion of pre-closing homebuyer education with an PFHA-approved counselor is strongly encouraged, required for any borrower with a FICO credit score lower than 680

How to Apply:

Note: Not all participating lenders offer FHA, RD, and/or VA loans, and additional eligibility requirements may apply to these loan types.

Keystone Flex with K-FIT

The Keystone Flex with Keystone Forgivable In Ten Years Loan Program (K-FIT) provides first mortgage financing for Conventional or the Federal Housing Administration (FHA) or loans guaranteed by Rural Development (RD) or the Department of Veterans Affairs (VA). The first mortgage is paired with K-FIT, offering assistance toward downpayment and/or closing costs for eligible homebuyers in the form of a forgivable second mortgage.

Highlights:

    • First mortgage financing for Conventional, FHA, RD, or VA loans.
    • K-FIT offers assistance for downpayment and/or closing costs.
    • Forgivable second mortgage with annual forgiveness over ten years.

Eligibility:

    • Qualifying income and home purchase price cannot exceed Keystone Flex Loan Program Limits.
    • All borrowers must have a minimum FICO score of 660.
    • Available to both First-Time and non- first-time homebuyers
    • Sufficient funds required for a downpayment. Borrowers must contribute the lesser of

$1,000 or 1% of the loan amount (Conventional and FHA only).

Benefits:

    • Flexible first mortgage financing options.
    • Forgivable assistance for downpayment and/or closing costs.
    • Annual forgiveness of the second mortgage over ten years.
    • K-FIT provides eligible homebuyers with five percent (5%) of the lesser of the purchase price or appraised value

Requirements:

    • Adherence to income and purchase price limits.
    • Minimum FICO score of 660.
    • Sufficient funds for a downpayment.
    • Completion of homebuyer education from an approved PHFA Counseling Agency.
    • Eligibility for the K-FIT assistance loan.

How to Apply:

    • Contact a PHFA participating lender to initiate the mortgage application. It is essential to adhere to the eligibility requirements and submit the necessary documentation for a comprehensive application process.
Keystone Flex Purchase & Improvement with K-FIT Loan

PHFA’s Keystone Flex Purchase & Improvement with K-FIT loan enables buyers to purchase, improve/repair a home, and receive down payment and closing cost assistance in a single transaction. This loan offers a conventional PHFA first mortgage with funds up to $30,000 for eligible repairs and improvements to the home. Eligible properties include single-family homes, duplexes, manufactured housing, and PUDs.

Highlights:

    • Purchase, improve/repair, and receive down payment and closing cost assistance in one transaction.
    • Conventional PHFA first mortgage with funds up to $30,000 for eligible repairs and improvements.
    • First mortgage is paired with K-FIT as a forgivable second mortgage to cover down payment and/or closing costs with five percent (5%) of the lesser of the purchase price or appraised value

Eligibility:

    • Qualifying income and home purchase price cannot exceed the Keystone Flex Loan Program Limits.
    • All borrowers must have a minimum FICO score of 660.
    • Not required to be a first-time homebuyer.
    • Sufficient funds required for a downpayment. Borrowers must contribute the lesser of

$1,000 or 1% of the loan amount for Conventional loans.

Benefits:

    • Comprehensive financing for home purchase, improvements, and down payment assistance.
    • Up to $30,000 available for eligible repairs and improvements.
    • K-FIT provides forgivable second mortgage assistance.
    • Flexibility to enhance and customize the subject property.

Requirements:

How to Apply:

    • Interested individuals meeting the conditions can apply by contacting a PHFA participating lender to initiate the mortgage application. It is essential to adhere to the eligibility requirements and submit the necessary documentation for a comprehensive application process.
Keystone Advantage Assistance Loan Program

The Keystone Advantage Assistance Loan Program offers a second mortgage loan to assist with the expenses associated with home purchase.

Highlights:

    • Second mortgage loan for downpayment and closing cost assistance.
    • Up to four percent (4%) of the purchase price or market value, or $6,000 (whichever is less).
    • Monthly repayment over a ten-year term at zero percent (0%) interest.
    • Compatible with specific PHFA first mortgage programs: HFA Preferred™(Lo MI),

Keystone Government Loan, or Keystone Home loan.

Eligibility:

Buyers must meet the requirements of the applicable PHFA first mortgage program and the Keystone Advantage Program, including:

    • Minimum credit score of 660.
    • Minimum loan amount of $500.
    • Borrower(s) liquid assets may not be greater than $50,000 after deducting funds needed for closing.
    • May be used on Conventional, FHA, VA, or RD loans, subject to respective underwriting requirements.

Benefits:

    • Financial assistance for downpayment and closing costs.
    • Zero percent (0%) interest on the assistance loan.
    • Compatibility with select PHFA first mortgage programs.

Requirements:

    • Assistance can only be used for the minimum required downpayment and/or closing costs.
    • Liquid assets within specified limits.
    • May not be used with any other PHFA assistance programs (except Access Modification Loan Program).
    • Adherence to FHA, VA, or RD loan underwriting requirements, including loan-to- value and downpayment criteria.

How to Apply:

    • Interested buyers can apply for the Keystone Advantage Assistance Loan Program by meeting the eligibility criteria of the applicable PHFA first mortgage program and the Keystone Advantage Program. The application process involves contacting a PHFA participating lender to initiate the mortgage application, ensuring compliance with the specified requirements, and providing the necessary documentation for a comprehensive application.
ACCESS Home Modification Program

The ACCESS Home Modification Program offers no-interest, deferred payment mortgage loans to individuals with disabilities or those with a family member in the household with disabilities, facilitating the purchase of homes requiring accessibility modifications. The loan is repaid upon property sale, transfer, or non-owner occupancy.

Highlights:

    • Zero-interest loan between $1,000 and $10,000 in conjunction with a PHFA

Keystone Home Loan or Keystone Government Loan.

    • Funds will be available on a first-come, first-serve basis.
    • Repayment is not required as long as the property is occupied as principal residence
    • No monthly payments. The loan becomes due and payable upon sale, transfer, or non-owner occupancy of the property.
    • Eligible for use in conjunction with other downpayment and closing cost assistance programs.

Eligibility:

    • Homebuyers with a permanent disability or family member(s) with a permanent disability.
    • Purchase of a new or existing home through specified PHFA first mortgage loan programs.
    • Compliance with underwriting guidelines for the selected first mortgage loan.

Benefits:

    • Financial assistance for accessibility modifications.
    • Flexible eligible modifications, including bathroom and kitchen modifications, ramps, widening doorways, and more.
    • Ability to apply for additional downpayment and closing cost assistance programs.

Requirements:

    • Submission of a proposal from a general contractor outlining modification improvements.
    • Signed contract between the applicant and the contractor, contingent upon mortgage loan approval.
    • Completion of modifications within 90 days of closing.
    • Refunding of any unused loan funds to the Agency.

How to Apply:

    • Contact a PHFA participating lender to initiate the mortgage application.
    • Seek technical assistance for determining necessary accessible modifications.
    • Utilize approved counseling agencies for homebuyer counseling and education.
    • Completion of a course strongly encouraged for first-time buyers or those with a FICO credit score below 680 before loan closing.
ACCESS Downpayment and Closing Cost Assistance

The ACCESS Downpayment and Closing Cost Assistance program by the Pennsylvania Housing Finance Agency (PHFA) complements its first mortgage home purchase loan programs and is intended to support homebuyers with a disability or disabled household member.

Highlights:

    • Available to eligible buyers with disabilities or disabled household members.
    • Maximum of $15,000 in a no interest downpayment and closing cost assistance
    • Income limit of 80 percent (80%) of statewide family median income.
    • Cannot be combined with other PHFA assistance programs.

Eligibility:

Must meet specific criteria for PHFA first mortgage programs and Access Downpayment and Closing Cost Assistance, including:

    • Homebuyers with disability or disabled household member.
    • Gross annual household income not exceeding 80 percent (80%) of statewide family median income.
    • Access assistance loan only available to buyers who are also using the Access Home Modification Program

Benefits:

    • Financial assistance up to $15,000 in a no interest downpayment and closing cost assistance loan
    • Targeted aid for buyers with disabilities.

Requirements:

    • Eligibility for specified PHFA first mortgage programs.
    • Ensure adherence to income and program-specific requirements.
    • Disability or disabled household member.
    • Income not exceeding 80 percent (80%) of statewide family median income.
    • Exclusive use with Access Home Modification Program.
    • May not be combined with any other PHFA downpayment and/or closing cost assistance program.

How to Apply:

    • Contact a PHFA participating lender to explore eligibility for specified first mortgage programs.
    • Attend homebuyer counseling and education through one of PHFA approved counseling agencies; Required for borrowers with a credit score lower than 680
    • Coordinate application with the Access Home Modification Program.
    • Submit necessary documentation for a comprehensive application.
HOMEstead Downpayment and Closing Cost Assistance Loan

The HOMEstead program offers eligible homebuyers up to $10,000 in downpayment and closing cost assistance through a no-interest, second mortgage loan.

Highlights:

    • Up to $10,000 in downpayment and closing cost assistance.
    • No-interest, second mortgage loan.
    • Forgiveness at 20% per year over five years (for loans closed on or after January 1, 2007)
    • Eligible for use in conjunction with the Keystone Home Loan Program.

Eligibility:

    • Participation in PHFA’s Keystone Home Loan Program.
    • Compliance with HOMEstead Program income and home purchase price limits by county.
    • Meet minimum downpayment requirement based on the loan insurer or guarantor.
    • Property eligibility determined by federal rules, excluding most homes built prior to 1978.

Benefits:

    • Additional downpayment and closing cost assistance for eligible homebuyers.
    • Assistance tailored to make the property affordable based on family need.
    • Availability in eligible areas, excluding major cities and seven counties with their own federal allocation.

Requirements:

    • Loans provided by local participating lenders, not directly by PHFA.
    • Compliance with federal regulations for Lead-Based Paint Hazard Reduction (24 CFR Part 35).
    • Determination of program requirements and funding availability by the US Department of Housing and Urban Development.

How to Apply:

    • Apply through a local participating lender.
    • Adhere to federal regulations and program requirements.
    • Allocation of HOMEstead funding on a first-come, first-served basis.
Employer Assisted Housing (EAH) Initiative

The Employer Assisted Housing (EAH) Initiative by Pennsylvania Housing Finance Agency addresses the challenges of affordable housing for low- to moderate-income workers. This initiative aims to make homeownership accessible to core community employees, including medical personnel, school employees, police and fire personnel, county workers, laborers, service industry staff, etc.

Highlights:

    • Partnership with participating employers to provide a monetary home purchase benefit to employees.
    • Additional financial advantages for employees approved for a PHFA mortgage through a participating lender.
    • Eligible employees can receive Keystone Advantage Assistance Loan of up to $8,000 for downpayment and/or closing cost assistance, which is an interest-free loan amortized over 10 years.

Eligibility:

Benefits:

    • Keystone Advantage Assistance Loan of up to $8,000 for downpayment and/or closing cost assistance.
    • Additional financial advantages for employees with approved PHFA loans
    • Benefits everyone: employees, employers, and local communities.

Requirements:

    • Employees must meet the eligibility requirements for the Advantage Program.
    • Assistance under the program is limited to the lesser of 4% or $6,000 for non-EAH borrowers.

How to Apply:

    • Determine if your employer is included in the participating employers list.
    • Initiate first loan application process through a participating lender.
    • Attend homebuyer counseling and education through one of PHFA approved counseling agencies; Required for borrowers with a credit score lower than 680
PHFA Grant
    • The PHFA Grant offers $500 in non-repayable assistance for down payment and closing costs when securing the HFA PreferredTM(Lo MI) loan. This grant is exclusively for the home purchase and doesn’t necessitate repayment. It is applicable alongside the HFA Preferred™(Lo MI) program and can be combined with the Keystone Advantage Assistance Loan Program for eligible borrowers.
PHFA Mortgage Credit Certificate (MCC)
    • Mortgage Credit Certificate (MCC) Program is yet another initiative by PHFA to help Pennsylvanians achieve their dream of homeownership. It can be used to claim a tax credit of up 50% of the mortgage interest paid each year, not to exceed $2,000 The remaining mortgage interest paid may be claimed as a deduction per IRS guidelines. A mortgage credit certificate is to be used in conjunction with a first mortgage under PHFA’s Keystone Government (K-Gov) or HFA Preferred TM or Preferred Risk SharingTM programs.

Rhode Island

RIHousing First-Time Homebuyer Loan

The First-time Homebuyer Loan is designed to help buyers realize their dream of homeownership. This loan, combined with down payment assistance, allows financing of up to 100% of the purchase price of your home.

Highlights:

    • Up to 100% financing for first-time homebuyers.
    • Down payment assistance available.
    • Loans accessible through RIHousing directly or participating mortgage lenders.

Eligibility:

    • Completion of a homebuyer education class (available online).
    • Meet not exceed the program’s home purchase price limit: $748,958 for a one- to four-family home or eligible condominium.
    • Meet not exceed program’s income limits: Less than $120,934 (1-2 person household) or $139,074 (3+ person household).
    • Participating lenders can assist with loan programs at any income level.

Benefits:

    • Financing up to 100% of the home purchase price.
    • Down payment assistance offered.
    • Accessible through RIHousing or participating mortgage lenders.

Requirements:

    • Completion of a homebuyer education class.
    • Meeting the program’s home purchase price and income limits.

How to Apply:

    • Complete a homebuyer education class, available online.
    • If your annual household income is less than the specified limits, contact RIHousing Loan Center directly
    • Participating lenders can assist you with loan programs at any income level.
RIHousing 10kDPA

RIHousing’s new 10kDPA program provides a $10,000 down payment assistance loan to first-time homebuyers in Rhode Island. This program is designed to help eligible first-time homebuyers overcome the significant hurdle of the down payment.

Highlights:

    • $10,000 down payment assistance loan.
    • Aimed at first-time homebuyers in Rhode Island.
    • Alleviates the challenge of the down payment.

Eligibility:

    • First-time homebuyer purchasing a 1-4 family home or condominium in Rhode Island.
    • Minimum credit score of 660.
    • Must meet RIHousing Price and Income Limits.
    • Occupy the home as your primary residence.

Benefits:

    • $10,000 down payment assistance.
    • Designed to assist first-time homebuyers.
    • Eases the burden of the down payment.

Requirements:

How to Apply:

FirstGenHomeRI

FirstGenHomeRI opens the doors for first-generation homebuyers with $25,000 in down payment and/or closing cost assistance. This pilot program, with limited funds, aims to assist qualified homebuyers on a first-come, first-served basis, provided they have a Loan Commitment and a fully- executed purchase and sales agreement. The program is targeted to communities with the highest level of need for increased homeownership opportunities.

Highlights:

    • $25,000 down payment and/or closing cost assistance.
    • Targeted towards first-generation homebuyers.
    • Limited funds; first come, first served.

Eligibility:

    • Qualify as a first-generation homebuyer.

(A first-generation homebuyer is defined as any person whose parents or guardian never owned a home during the homebuyer’s lifetime or lost the home to a foreclosure or short sale and does not own a home now. Anyone who lived in foster care also qualifies as a first-generation home buyer.)

    • Reside in specific communities: Central Falls, East Providence, Pawtucket, Woonsocket, Providence (excluding residents in zip code 02906), Newport (residents in census tract 44005040500 only).
    • First-time homebuyer purchasing a 1-4 family home or condominium anywhere in Rhode Island.
    • Minimum credit score of 660.
    • Meet RIHousing Price and Income Limits.
    • Complete a HUD-approved first-time homebuyer education course.
    • Obtain a RIHousing-funded first mortgage through RIHousing’s Loan Center.
    • Purchase and occupy the home as primary residence.

Benefits:

    • $25,000 down payment and/or closing cost assistance.
    • Aimed at assisting first-generation homebuyers.
    • Limited funds for a targeted impact.
    • Zero percent (0%) interest
    • No monthly payments
    • Forgivable after 5 years of owning and residing in the home***

*** The down payment assistance is a grant that does not need to be repaid if the homeowner keeps their home for five years as their primary residence.

Requirements:

How to Apply:

    • Ensure you meet the eligibility criteria.
    • Apply for the program on a first-come, first-served basis through RIHousing Loan Center.

Housing Network of Rhode Island’s Down Payment & Closing Cost Assistance Program

The Housing Network of Rhode Island, in collaboration with the City of Providence, offers up to

$20,000 in Down Payment and Closing Cost Assistance to income-eligible homebuyers in Providence. This program aims to support first-time homebuyers by providing financial assistance to cover upfront homebuying expenses.

Highlights:

    • Provides up to $20,000 in assistance for down payment and closing costs.
    • Available exclusively for homebuyers purchasing within Providence city limits.
    • Applicants must meet income and purchase price limits, contribute $1,500 of their own funds, and complete a homebuyer education course.

Eligibility:

    • No first time homebuyer requirement, but cannot
    • Must have a signed Purchase and Sales agreement for a property within Providence.
    • Household income must be within specified HUD-established limits based on household size.
    • Property must be a single, two and three-family housing unt, or condominium in Providence, with purchase price limits based on unit type.
    • Must use the property as the primary residence
    • Meet underwriting standards.

Benefits:

    • Assistance up to $20,000, based on income eligibility and demonstrated need.
    • Forgivable loan provided by the City of Providence, forgiven after a compliance period of 5 or 10 years.
    • Helps cover upfront homebuying expenses without accruing interest.
    • Assistance is given as a 0% interest, forgivable loan if the property is held for the duration of the compliance period.

Requirements:

    • Completion of 8 hours of HUD-approved homebuyer education.
    • Completion of a 3-hour Landlord class and a 3-hour Lead Hazard Awareness Seminar for multi-family property buyers.
    • Contribution of $1,500 towards the transaction.
    • Compliance with program’s underwriting requirements for front and back-end ratios.
    • If the property is sold or refinanced prior to the expiration of the restriction period, the full amount of assistance is required to be repaid.
    • Home must pass the required Property Standards.
    • Application fee of $200

How to Apply:

    • Obtain a signed Purchase and Sales agreement for a property within Providence.
    • Complete the application form and provide all required documentation.
    • Submit the application packet in person or via mail to the Housing Network of Rhode Island.
    • Await notification of eligibility and schedule a property inspection with the City of Providence.
    • Upon passing inspection, finalize closing documents and complete the transaction.

For additional inquiries, contact Niva Barros at [email protected].

RIHousing Extra Assistance

RIHousing’s Extra Assistance program provides down payment and/or closing costs assistance to eligible first-time homebuyers in Rhode Island.

Highlights:

    • Down payment assistance for first-time homebuyers in Rhode Island.
    • Up to 6% of the purchase price or $12,000, whichever is lower
    • Available in conjunction with a RIHousing first mortgage.

Eligibility:

    • First-time homebuyer purchasing a 1-4 family home or condominium in Rhode Island.
    • Minimum credit score of 660.
    • Must meet RIHousing Price and Income Limits.
    • Occupy the home as your primary residence.
    • Only available in conjunction with a RIHousing first mortgage

Benefits:

    • Up to 6% of the purchase price or $12,000 in down payment assistance.
    • Zero percent (0%) interest (interest rate aligned with the RIHousing first mortgage).
    • No fees or charges.
    • This is a second mortgage lien on your home.

Requirements:

How to Apply:

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