ACCESS Home Modification Program | PHFA Loan Guide for Pennsylvania

For many Pennsylvania families, buying a home isn’t just about affordability—it’s about accessibility. If you or someone in your household has a disability, you may need to make modifications to ensure your new home is safe and livable. The ACCESS Home Modification Program, offered by the Pennsylvania Housing Finance Agency (PHFA), is designed to help with exactly that.

If you’re searching for the ACCESS Home Modification Program, this guide explains what it is, how it works, and why it can make homeownership more inclusive and affordable.

What Is the ACCESS Program?

The ACCESS Home Modification Program is a 0% interest loan that provides financial assistance to Pennsylvania homebuyers who need to make accessibility modifications in their homes.

Loan Amount: Up to $15,000
Interest Rate: 0% (no interest charged)
Repayment: Paid back monthly over the life of your PHFA first mortgage
Use of Funds: Must be used for home modifications that improve accessibility for a person with a disability

This program makes it possible for families to buy a home that can be adapted to their unique needs without overwhelming upfront costs.

Eligible Modifications

The funds from the ACCESS Program can be used for:

Widening doorways and hallways
Installing wheelchair ramps or lifts
Adding roll-in showers or accessible bathrooms
Installing visual and audio alert systems
Adjusting countertops, cabinets, or sinks for wheelchair access
Other modifications that improve mobility and accessibility inside the home

Cosmetic upgrades (like new paint or flooring) are not covered—funds must directly improve accessibility.

Who Qualifies for the ACCESS Program?

To be eligible, you must:

Qualify for a PHFA first mortgage (Keystone Home Loan, FHA, VA, USDA, or HFA Preferred™)
Have a household member with a disability who will live in the home
Plan to use the home as your primary residence
Need specific modifications to make the home accessible

→ Check if you qualify today!

Benefits of the ACCESS Program.

Benefits of the ACCESS Program

Up to $15,000 available for accessibility improvements
0% interest loan makes repayment affordable
Customizable: Funds can be tailored to your household’s specific needs
Paired with PHFA mortgages for a seamless financing process

Example: How ACCESS Works

Scenario: A family is purchasing a $220,000 home in Dauphin County. One household member uses a wheelchair and needs modifications:

Wheelchair ramp: $5,000
Widening two doorways: $2,500
Accessible shower installation: $7,500
Total Cost: $15,000

With the ACCESS Home Modification Program, the family receives a 0% interest loan for the full $15,000, added to their PHFA mortgage. Their home is now fully accessible without requiring upfront cash.

Why Choose Loan Factory for ACCESS?

At Loan Factory, we help families navigate PHFA programs with ease:

One application covers Keystone Home Loan + ACCESS funding
Compare 240+ lenders for the lowest rate
AI-powered platform ensures fast approvals
Local Pennsylvania advisors guide you through modification requirements
Transparent costs with no junk fees

“At Loan Factory, we believe every family deserves a safe, accessible home. The ACCESS Program makes that possible without financial stress.” – Thuan Nguyen, CEO

If you or a household member needs accessibility improvements, the ACCESS Home Modification Program can help you buy and adapt a home without the burden of extra interest.

Check your eligibility today and see how much support you can receive for home modifications in Pennsylvania.