Down Payment Assistance in Pennsylvania? We Can Help.

Solutions

NMHL is a licensed Pennsylvania lender specializing in helping borrowers overcome down payment assistance. Get expert guidance and personalized solutions.

We Understand What You're Going Through

The down payment is the single biggest barrier to homeownership. The average first-time buyer needs $15,000-$30,000 for a down payment, which takes years to save. Many buyers are unaware that over 2,000 DPA programs exist offering grants, forgivable loans, and other assistance. These programs serve a wider income range than most people expect, with some allowing household incomes up to $150,000.

Cannot save enough for a down payment in Pennsylvania
Do not know what assistance programs exist in Pennsylvania
Think DPA is only for low-income buyers in Pennsylvania
Over 2,000 down payment assistance programs exist nationwide.

Free money for your down payment is closer than you think.

You're Not Alone in This

Thousands of homeowners face the same challenges every year. Our experienced team has helped families across 29 states find mortgage solutions tailored to their unique situations.

Mortgage advisor helping client find solutions

Solutions for Down Payment Assistance in Pennsylvania

NMHL offers multiple pathways to homeownership for Pennsylvania borrowers.

State Housing Authority Programs

Every state has a housing finance authority that offers down payment assistance to qualifying buyers. Programs vary but often include grants of 3-5% of the purchase price, forgivable loans, and below-market-rate first mortgages.

Available in every state Grants up to 5% of purchase price Forgivable loan options

Local Government DPA

Cities and counties often have their own down payment assistance programs with different eligibility criteria than state programs. Some borrowers qualify for both state and local programs, stacking assistance for maximum benefit.

City and county programs May stack with state DPA Targeted to local buyers

FHA + DPA Combination

FHA loans allow 100% of the down payment to come from DPA grants or gifts. Combined with FHA's 3.5% down requirement, a qualifying DPA grant can cover your entire down payment, making true zero-out-of-pocket homeownership possible.

Zero out-of-pocket possible FHA allows full DPA coverage Grants plus low-down-payment loans

Your Path to Homeownership in Pennsylvania

A simple, guided process from start to finish.

1

Free Consultation

Speak with a licensed loan officer about your situation

2

Explore Your Options

We identify the best loan programs for your needs

3

Get Pre-Approved

Submit a quick application with no credit impact

4

Close with Confidence

Dedicated support through closing day

Couple reviewing mortgage documents with advisor

Every Situation Has a Solution

Our team specializes in finding the right path forward, no matter your circumstances

Get Your Free Assessment

See What You Qualify For

Complete your mortgage application in minutes — no login required, no credit impact

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Call (855) 513-2749 to speak directly with a licensed Pennsylvania loan officer about your situation. Free consultation, no obligation.

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Down Payment Assistance in Pennsylvania - FAQs

The Pennsylvania Housing Finance Authority and various local governments offer down payment assistance programs. Available options may include grants, forgivable loans, and matched savings programs. Eligibility depends on income, purchase price, and location within Pennsylvania. NMHL loan officers stay current on all available Pennsylvania DPA programs.

NMHL handles the DPA application process as part of your mortgage application in Pennsylvania. We identify programs you qualify for, handle the paperwork, and coordinate funding so the assistance is available at closing. Start by getting pre-approved with NMHL to see which Pennsylvania DPA programs fit your situation.

Pennsylvania Mortgage Resources

All Pennsylvania Mortgage Programs

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FHA Loans in Pennsylvania

Explore FHA loan options and requirements in Pennsylvania.

VA Loans in Pennsylvania

Learn about VA loan benefits for Pennsylvania veterans.

Conventional Loans in Pennsylvania

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Get Help with Down Payment Assistance in Pennsylvania

Speak with a licensed Pennsylvania loan officer today. Free consultation, no obligation.