Home Buying — Assistance

The federal government provides several programs for first-time or low-income buyers:

: These government-backed loans through the FHA allow for lower down payments and credit scores. home buying assistance

If you receive a random text about home buying or selling, it is likely a scam. Legit lenders and government agencies almost never "cold-text" you. Common red flags include: offer down payment assistance programs (e.g.

: Many states, like Pennsylvania, offer down payment assistance programs (e.g., up to $6,000) or forgivable loans for closing costs. Warning: Unsolicited Text Scams up to $6

PHFA HOMEPAGE | Mortgage – Housing – Foreclosure Options

: Managed by local Public Housing Agencies (PHAs), this program helps very low-income families and individuals afford private market housing.