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Down Payment Assistance Programs in Bucks County & Philadelphia (2026)

Philadelphia down payment programs

Philadelphia down payment programs

first-time home buyer programs

Buying your first home? You might not need as much money upfront as you think. There are several down payment and closing cost programs that can help make home ownership more affordable.

Some offer grants you don’t have to repay, while others give you loans with 0% interest or ones that are forgiven over time.

How Much Help Can You Get?

In some cases, homebuyers in Philadelphia may qualify for $80,000 or more in total assistance. In Bucks County, it’s possible to get up to $25,000 or more, depending on your eligibility and the home you’re buying.

Most Popular Programs for First-Time Buyers

Up to 5%

PHFA K-FIT Program

  • Offers up to 5% of the home’s price to help with your down payment or closing costs.

  • You don’t have to pay it back if you stay in the home for 10 years.

  • You must use a special PHFA mortgage loan to qualify.

Up to $10K

Philly First Home Grant

  • Gives up to $10,000 to help you buy a home in the City of Philadelphia.

  • You must complete a free homebuyer course and meet income limits.

Up to $75K

Turn the Key (Philadelphia)

  • Offers up to $75,000 in mortgage buydown help for newly built homes on city owned land in selected neighborhoods.

  • You must be a first time buyer, meet income limits and complete housing counseling.

  • Can be combined with the Philly First Home Grant for even more savings.

Up to $15K

First Front Door / Keys

  • Gives up to $15,000 toward a down payment and closing costs for first time buyers who meet income limits, with a Keys option for first generation buyers.

  • You must use a participating lender and take a homebuyer course.

  • Funding for 2026 has closed, and the next round is expected in early 2027.

Up to $6K

PHFA Keystone Advantage

  • Offers up to 4% of the price or $6,000, whichever is less, as a 0% interest loan for your down payment or closing costs.

  • It is repaid in monthly payments over 10 years.

Varies (up to $10K+)

Bucks County Local Programs

  • Some programs in Bucks County offer up to $10,000 depending on your income and the town you're buying in.

  • Availability changes often, so it's best to ask early.

Who Qualifies?

House key icon for first time home buyers

First-time buyers (or haven’t owned a home in 3+ years)

House with a price tag icon for income and price limits

Meet income and purchase price limits

Home buyer education icon

Take a free homebuyer education course

Hand holding a house with a dollar sign icon for approved lenders

Use an approved lender or program partner

Stacking example

Can You Combine These Programs?

Yes – in many cases, you can stack multiple programs together. For example, in Philadelphia, a qualified buyer might combine:

  • $75,000 from Turn the Key

  • $10,000 from Philly First Home

That’s up to $85,000 in total help!

However, some programs can’t be combined (like PHFA K-FIT and Keystone Advantage), so it’s important to plan with a knowledgeable lender or real estate professional.

Need Help Finding the Right Program?

Every buyer is different, and the right combination of programs can make a huge difference. If you’re thinking about buying a home, reach out and I’ll help you find out what you qualify for and how much money you can receive.

🗓️ Schedule a free homebuyer consultation today!