Keystone Challenge Fund is a non-profit organization established in 1991 in Lakeland, Florida. For over 20 years, Keystone has maximized the availability of affordable housing for low and moderate income homebuyers to connect families with homeownership.Through construction, rehabilitation and down payment assistance, Keystone has participated in over $428 million in residential real estate development. As a result, nearly 4,000 families have become homeowners. Keystone is committed to serving the community by improving lives through homeownership. Among the families who received assistance, more than 1,200 were single parents. The programs offered by Keystone have been possible through longstanding partnerships with local governments and agencies including the City of Lakeland, Pasco County, Polk County, City of Winter Haven, and the Housing Finance Authority of Polk County.