512 Mercy StreetPhiladelphia, PA 19148

Move in ready and money smart! This beautifully updated 2 bedroom row home in South Philadelphia's desirable Whitman neighborhood pairs contemporary finishes with one of the strongest financing packages on the market today.

This property qualifies for CRA financing with just 3% down, no PMI, and an interest rate lower than FHA. KeyBank is offering a 5K credit, stackable with the Philly First Home 10K grant, for up to 15K in potential assistance. The credit can be applied toward closing costs, prepaid mortgage or insurance, escrow deposit, real estate taxes, or per diem interest. An HWA home warranty is also included in the sale.

Step into a sun lit open floor plan with gleaming wood floors, soaring ceilings with fans, and large windows that flood the space with natural light. The living room flows into a dedicated dining room crowned by chandelier lighting, then into a modern kitchen featuring new cabinetry, new appliances, a gas range, stainless steel hood, and stylish backsplash. Upstairs, two spacious bedrooms offer large windows, abundant natural light, and ample closet space. The oversized bathroom delivers a large walk in shower, multiple lighting fixtures, thoughtful accessibility upgrades for safe, comfortable everyday living. Additional highlights include central air conditioning, a full basement with room for an exercise space, laundry, and extra storage plus future finishing potential and a fully fenced backyard perfect for gardening, entertaining, relaxing, or pets. Conveniently located near neighborhood shopping, dining, and public transportation with quick access to major highways, this home offers comfort, convenience, and serious value in one of South Philadelphia's most established communities. Opportunities like this do not sit. Schedule your showing today!