Top 2026 Grant & Loan Programs for Philly

Twelve programs that cut your down payment, cover closing costs, or get you in with less than perfect credit. Most buyers qualify for at least one.

• Philly First Home Grant: up to $10,000 toward down payment and closing costs
• PHFA K-FIT: up to 5% of the price as a forgivable second loan
• FHA loans at 3.5% down with a 580 credit score
• NACA: no down payment, no closing costs, no credit score requirement
• Plus eight more, including programs for teachers, first responders, and veterans