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Closing Cost Assistance

PHFA logoThe Pennsylvania Housing Finance Agency (PHFA) offers a below market interest rate for first and non-first time homebuyers. PHFA also provides a down payment/closing cost assistance loan for qualified home buyers. Read more

Free grant money!

Drawing of a bank buildingThe Federal Home Loan Bank of Pittsburgh offers a free down payment (or closing cost assistance grant) for qualified first time home buyer(s) in Pennsylvania, Delaware, and West Virginia. Read more





Centre county first time home buyer program

The Centre County Housing Trust Fund provides:

Nice two story houseThe Centre County Housing Trust Fund is used to assist home buyers with down payment assistance. Home buyers may be able to obtain a maximum of $10,000, or 10% of the sales price (whichever is less).

The assistance 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 the borrower(s), or when the mortgage has been paid in full.

Occupancy

You must occupy the property purchased as a primary residence - no investors

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.


Sales price limit

Purchase price cannot exceed $237,000. Note: The purchase price is to be consistent with Pennsylvania Housing Finance Agency’s Keystone Home Loan Program.

Income qualification

You must be a first time home buyer or not owned a home within the previous three years and meet the household income limits in non-targeted area.

Pennsylvania Housing Finance Agency (PHFA)

Did you know that the State of Pennsylvania offers financing for first time home buyers and non-first time home buyers. The state also offers a down payment and/or closing cost assistance loan for eligible applicants. Read more