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Calculator First Time Home Buyer ProgramsPA First Time Home Buyer ProgramsPHFA - PENNSYLVANIA HOUSING FINANCE AGENCYLearn about Pennsylvania First Time Home Buyer Program (PHFA)How PHFA works Phfa - Keystone Home Loan Phfa - Keystone Home Loan PLUS Pennsylvania Median Income Limits Closing Cost Assistance.pdf Keystone Home Loan Limits.pdf Keystone Plus Loan Limits.pdf FHA Resources
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Home Buying VideosHere are three great videos produced by the Department of Housing and Urban Development (HUD). You will be redirected to the AnytimeEstimate video page Shopping for Your Home![]() Shopping for Your Loan ![]() Closing the Deal ![]() |
Looking for first time home buyer programs in Pennsylvania?
The State of Pennsylvania has several programs for first time
home buyers and non-first time homebuyers who purchase in
"targeted" counties. The state also has it's own closing
cost assistance program. Several Pennsylvania counties and cities
offer either a homeownership program or provide grant money
for closing costs and or down payment. Pennsylvania Housing Finance Agency - PHFA![]()
PHFA Closing Cost & Down Payment Assistance Program
Pennsylvania County and City Mortgage Programs for First Time Home BuyersADAMS COUNTY, PA - Web SiteALLEGHENY COUNTY, PA Allegheny County offers a first time home buyer program. You can learn more about this program; including income and sales price limits and sales price examples. Tell me more - First Time Home Buyer Program. A new window will open in your browser. CITY OF PITTSBURGH - The City of Pittsburgh offers financing for the first time homebuyer who purchase a single family home, duplex, triplex or 4 - unit residence (PHOP Program). Some areas of the City of Pittsburgh are deemed to be "targeted", meaning, the buyer is not required to be a first time home buyer in these targeted areas. The City of Pittsburgh also offers closing cost and down payment assistance grants for eligible home buyers. 100% financing is possible with seller assist and closing cost/down payment grant. Tell me more - First Time Home Buyer Program. A new window will open in your browser. ARMSTRONG COUNTY, PA - Web Site BEAVER COUNTY, PA - Web Site BEDFORD COUNTY, PA - Web Site BERKS COUNTY, PA - Web Site BLAIR COUNTY, PA - Web Site BRADFORD COUNTY, PA - Web Site BUCKS COUNTY, PA - Web Site The first-time homebuyer assistance program assists households earning less than 80 percent of county median household income with down payment or mortgage closing assistance (up to $10,000), which is repaid when the property is sold, refinanced, or the title is transferred. Proceed to the web site Borough of State College - Web Site. The State College First-Time Home Buyer (FTHB) program offers mortgage and closing cost assistance to both moderate and lower income families. - From web site BUTLER COUNTY, PA - Web Site CAMBRIA COUNTY, PA - Web Site CAMERON COUNTY, PA - Web site CARBON COUNTY, PA - Web Site CENTRE COUNTY, PA - Web Site
Asset Limitation – At the time of application, the buyer’s liquid assets (cash) and real property shall not exceed $15,000 and at the time of settlement, the buyer’s liquid assets (cash) shall not exceed $5,000. First-Time Home Buyer - The applicant must be a first-time home buyer, meaning the household has been renting a home and has not owned a home during the past three years, or is otherwise eligible as a single parent who is legally separated and has joint or full custody of one or more minor children. The applicant must also be a US Citizen and a resident of Centre County for one year. Down Payment Assistance - The Centre County Housing Trust Fund will be used to assist the home buyer with down payment assistance. A maximum of $10,000, or 10% of the purchase price (whichever is less), will be provided. Note: The loan will be made payable when the house is resold, refinanced for more than the original purchase price, ceases to be a full-time, permanent residence of Borrower, or when the mortgage has been paid in full. CHESTER COUNTY, PA Chester County First Time Home Buyer Program Chester County offers an awesome program for first time homebuyers; perhaps the best closing cost assistance program in the State of Pennsylvania. The maximum loan of $10,000 for the purchase of a house in Chester County township and $12,500 for purchase of a home in the City of Coatesville or in a Chester County borough. Tell me more - First Time Home Buyer Program. A new window will open in your browser. CLARION COUNTY, PA - Web Site CLEARFIELD COUNTY, PA - Web Site CLINTON COUNTY, PA - Web Site COLUMBIA COUNTY, PA - Web Site CRAWFORD COUNTY, PA - Web Site CUMBERLAND COUNTY, PA - Web Site DAUPHIN COUNTY, PA Did you know that Dauphin County provides down payment and or closing cost assistance up to $3,000 to eligible first-time buyers of Dauphin County homes? Is your household income within these limits? Tell me more - First Time Home Buyer Program. A new window will open in your browser. DELAWARE COUNTY, PA - Web Site Homeownership First Program The Homeownership First Program provides counseling and up to $5,000 in down payment and closing costs to qualifying first time homebuyers purchasing a property in Delaware County. Funding is limited and there is no guarantee that persons completing the counseling program will receive financial assistance. The assistance takes the form of a 0% interest loan that is only repayable upon sale or transfer of the property and is forgiven after five (5) years if the property is located in Revitalization areas. From web site ELK COUNTY, PA - Web Site ERIE COUNTY, PA - Web Site FAYETTE COUNTY, PA - Web Site FOREST COUNTY, PA - Web Site FRANKLIN COUNTY, PA - Web Site FULTON COUNTY, PA - Web Site GREENE COUNTY, PA - Web Site HUNTINGDON COUNTY, PA - Web Site INDIANA COUNTY, PA - Web Site JEFFERSON COUNTY, PA - Web Site JUNIATA COUNTY, PA - Web Site LACKAWANNA COUNTY, PA - Web Site City of Scranton The First-time Homebuyer Program This program provides funds in the form of a forgivable, deferred-payment loan to income-eligible, first-time homebuyers who wish to purchase a home in Scranton. These funds assist the homebuyer with his/her down payment and closing costs. Generally, the beneficiary will not have to pay any portion of this loan back to the City if he/she maintains the home as his/her primary residence for at least five years. Proceed to the web site LANCASTER COUNTY, PA - Web Site LAWRENCE COUNTY, PA - Web Site LEBANON COUNTY, PA - Web Site LEHIGH COUNTY, PA - Web Site LUZERNE COUNTY, PA - Web Site LYCOMING COUNTY, PA - Web Site MCKEAN COUNTY, PA - Web Site MERCER COUNTY, PA - Web Site MIFFLIN COUNTY, PA - Web Site MONROE COUNTY, PA - Web Site MONTOUR COUNTY, PA - Web Site MONTGOMERY COUNTY, PA Montgomery County First Time Homebuyers Program Qualified home buyers may receive help with settlement costs up to 8% of the purchase price, and if your earnings are below 80% of the median income, Montgomery county may contribute an additional 2% toward the downpayment for a total assistance of 10% of the sales price. Tell me more - First Time Home Buyer Program. A new window will open in your browser. NORTHHAMPTON COUNTY, PA - Web Site The Northampton County First-Time Homebuyer Program provides loans to eligible first-time buyers of Northampton County homes. These loans provide up to $5,000 to help with the cost of the house and closing costs. The home must be located in an area of the County where at least 42% of the residents have middle-incomes or less. This includes the cities of Easton and Bethlehem and parts of almost all other municipalities in the County. From web site
NORTHUMBERLAND COUNTY, PA Web Site PERRY COUNTY, PA - Web Site PHILADELPHIA COUNTY, PA - Web Site PIKE COUNTY, PA - Web Site POTTER COUNTY, PA - Web Site SCHUYLKILL COUNTY, PA - Web Site SNYDER COUNTY, PA - Web Site SOMERSET COUNTY, PA - Web Site SULLIVAN COUNTY, PA - Web Site SUSQUEHANNA COUNTY, PA - Web Site TIOGA COUNTY, PA - Web Site UNION COUNTY, PA - Web Site VENANGO COUNTY, PA - Web Site WARREN COUNTY, PA - Web Site WASHINGTON COUNTY, PA - Web Site Countywide Homebuyer Assistance Program The Redevelopment Authority of the County of Washington has established the Homebuyer Assistance Program to assist first-time homebuyers in attaining their goal of home ownership by providing financial assistance for the purchase and rehabilitation of eligible housing units. Proceed to the web site WAYNE COUNTY, PA - Web Site WESTMORELAND COUNTY, PA - Web Site WYOMING COUNTY, PA - YORK COUNTY, PA - Web Site BANK PROGRAMS - ( CRA )Many banks offer special financing to support their community reinvestment initiatives (CRA). These mortgage programs are usually based on household income that is at or less than the median household income for the respective county. If your household income is at or less than the median household income, you should call the various banks in your area to see if you are eligible for a CRA loan. These programs will vary between banks. Some banks will offer lower down payment, some closing cost assistance, reduced mortgage insurance, etc. PA HUD Median Family Income LimitHome Buying Information
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Examples are hypothetical. We can not and do not guarantee the
applicability or accuracy in regards to your individual
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qualified professionals.
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