Keystone Flex with K-DATE (Pennsylvania)
Pennsylvania Housing Finance Agency (PHFA) · Pennsylvania
| Assistance type | Deferred loan — No payments until you sell, refinance or pay off |
|---|---|
| Amount | 8% (loan amounts up to $150,000) or 5% (above $150,000) of the lesser of price or appraised value |
| Income limit | Not verified on the official page — check the source |
| Purchase price limit | Not verified on the official page — check the source |
| First-time buyer rule | Not verified on the official page — check the source |
| Status | Offered |
| Status note | Not verified on the official page — check the source |
| Details | 0% 30-year second mortgage, no monthly payments; due on sale, refinance or payoff of the first mortgage. |
| Official source | https://www.phfa.org/programs/assistance.aspx (opens in new tab) |
| Last checked | Oct 19, 2026 (automated fetch) |
Go to the official program page ↗ Report a correction
Other Pennsylvania programs
- PHFA Grant — $500
- Keystone Advantage Assistance Loan — Lesser of 4% of the purchase price or market value, or $6,000
- Keystone Forgivable in Ten Years (K-FIT) — 5% of the lesser of purchase price or appraised value
- Access Downpayment and Closing Cost Assistance — Up to $15,000