Access Down payment and Closing Cost Assistance Program This Pennsylvania down payment program offers an interest free deferred payment second loan to people who have a permanent disability or live with a family member who has a permanent disability. To be eligible, you’ll have to be qualified for a first mortgage, meet household income limits, contribute 3 percent to 5 percent of your home’s purchase price from your own funds, and have liquid assets of no more than $5,000. The minimum loan amount is $1,000. The maximum is $15,000. This loan will become due and payable if you move out of your home or sell or transfer it to another owner.