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First Front Door Program

First time home buyer grant - really!

First time homebuyer and familyCould you use some free grant money to purchase your first home? Dumb question, I know, but now that I have your attention, you need to know about the First Front Door grant program.

The 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. The definition of a first time homebuyer is an applicant who has not owned a home within the past three years, or owned a home only while married but not as a single person within the last three years – this includes a married couple if has not owned a home in the past three years). The Federal Home Loan Bank works with member banks to provide the grant money and first mortgage (i.e. FHA, VA, USDA, and conventional loans).


The grant assistance is a 3 to 1 match. For every dollar that you put into the purchase of the home, the Federal Home Loan Bank will grant three dollars. For example, if you pay $1,000 toward the purchase of the home, you would receive $3,000. The maximum grant is $5,000. Doing a little math, that means that if you pay $1,667, you would receive $5,000.
There is no interest and no monthly payment for the assistance grant! There is no repayment unless you sell your home within 5 years. The repayment is prorated on the year of sale. For example, if your grant was for $5,000 and the house was sold in year three, you would owe the Federal Home Loam Bank $2,000 (year four and five).

Rotating question markFrequently Asked Questions About The First Front Door Assistance Program

Q.Do I have to be a first time homebuyer?
A.Yes. See above

Q. Is there a minimum credit score with this program?
A. No

Q. Is there a minimum down payment?
A. No

Q. What homes are eligible?
A. Single-family houses, townhomes, condominiums, modular units, and manufactured homes.

Q. Can I ask the seller to pay my closing costs (seller assist) and still obtain the grant money?
A. Yes. The assistance grant is not decreased based on seller contribution based on the first mortgage (i.e. FHA, VA, USDA, or conventional loan).

Q. Are there income limits?
A. Yes, the home buyer(s) must have an income of 80% of the county median household income (or less) for the home.

First front door income limits for 2020

► Pennsylvania Income Limits

County NameMedian Area Income1 family2 family3 family4 family5 family6 family7 family
Adams County85,80047,95054,80061,65068,50074,00079,50084,950
Allegheny County83,00046,50053,15059,80066,40071,75077,05082,350
Armstrong County64,70036,35041,55046,75051,90056,10060,25064,400
Beaver County83,00046,50053,15059,80066,40071,75077,05082,350
Bedford County61,70036,35041,55046,75051,90056,10060,25064,400
Berks County78,60044,05050,35056,65062,90067,95073,00078,000
Blair County60,00036,35041,55046,75051,90056,10060,25064,400
Bradford County67,10037,60043,00048,35053,70058,00062,30066,600
Bucks County96,60054,15061,85069,60077,30083,50089,70095,900
Butler County83,00046,50053,15059,80066,40071,75077,05082,350
Cambria County62,70036,35041,55046,75051,90056,10060,25064,400
Cameron County58,60036,35041,55046,75051,90056,10060,25064,400
Carbon County78,20043,80050,05056,30062,55067,60072,60077,600
Centre County88,70049,70056,80063,90070,95076,65082,35088,000
Chester County96,60054,15061,85069,60077,30083,50089,70095,900
Clarion County60,70036,35041,55046,75051,90056,10060,25064,400
Clearfield County62,00036,35041,55046,75051,90056,10060,25064,400
Clinton County63,80036,35041,55046,75051,90056,10060,25064,400
Columbia County65,80036,90042,15047,40052,65056,90061,10065,300
Crawford County66,00037,00042,25047,55052,80057,05061,25065,500
Cumberland County85,00047,60054,40061,20068,00073,45078,90084,350
Dauphin County85,00047,60054,40061,20068,00073,45078,90084,350
Delaware County96,60054,15061,85069,60077,30083,50089,70095,900
Elk County66,90037,45042,80048,15053,50057,80062,10066,350
Erie County71,50040,05045,80051,50057,20061,80066,40070,950
Fayette County83,00046,50053,15059,80066,40071,75077,05082,350
Forest County47,20036,35041,55046,75051,90056,10060,25064,400
Franklin County78,30043,90050,15056,40062,65067,70072,70077,700
Fulton County65,30036,60041,80047,05052,25056,45060,65064,800
Greene County66,90037,45042,80048,15053,50057,80062,10066,350
Huntingdon County61,70036,35041,55046,75051,90056,10060,25064,400
Indiana County62,50036,35041,55046,75051,90056,10060,25064,400
Jefferson County60,90036,35041,55046,75051,90056,10060,25064,400
Juniata County65,30036,60041,80047,05052,25056,45060,65064,800
Lackawanna County71,70040,15045,90051,65057,35061,95066,55071,150
Lancaster County79,50044,55050,90057,25063,60068,70073,80078,900
Lawrence County69,20038,75044,30049,85055,35059,80064,25068,650
Lebanon County77,00043,15049,30055,45061,60066,55071,50076,400
Lehigh County78,20043,80050,05056,30062,55067,60072,60077,600
Luzerne County71,70040,15045,90051,65057,35061,95066,55071,150
Lycoming County64,80036,35041,55046,75051,90056,10060,25064,400
McKean County59,90036,35041,55046,75051,90056,10060,25064,400
Mercer County66,70037,35042,70048,05053,35057,65061,90066,200
Mifflin County56,20036,35041,55046,75051,90056,10060,25064,400
Monroe County79,10044,35050,65057,00063,30068,40073,45078,500
Montgomery County96,60054,15061,85069,60077,30083,50089,70095,900
Montour County76,30042,75048,85054,95061,05065,95070,85075,750
Northampton County78,20043,80050,05056,30062,55067,60072,60077,600
Northumberland County68,50038,20043,65049,10054,55058,95063,30067,650
Perry County85,00047,60054,40061,20068,00073,45078,90084,350
Philadelphia County96,60054,15061,85069,60077,30083,50089,70095,900
Pike County79,10044,35050,65057,00063,30068,40073,45078,500
Potter County57,70036,35041,55046,75051,90056,10060,25064,400
Schuylkill County66,30037,15042,45047,75053,05057,30061,55065,800
Snyder County66,90037,45042,80048,15053,50057,80062,10066,350
Somerset County63,50036,35041,55046,75051,90056,10060,25064,400
Sullivan County62,20036,35041,55046,75051,90056,10060,25064,400
Susquehanna County66,10037,05042,35047,65052,90057,15061,40065,600
Tioga County62,00036,35041,55046,75051,90056,10060,25064,400
Union County71,50040,05045,80051,50057,20061,80066,40070,950
Venango County61,80036,35041,55046,75051,90056,10060,25064,400
Warren County62,50036,35041,55046,75051,90056,10060,25064,400
Washington County83,00046,50053,15059,80066,40071,75077,05082,350
Wayne County69,00038,65044,20049,70055,20059,65064,05068,450
Westmoreland County83,00046,50053,15059,80066,40071,75077,05082,350
Wyoming County71,70040,15045,90051,65057,35061,95066,55071,150
York County82,20046,05052,60059,20065,75071,05076,30081,550

► Delaware Income Limits

County NameMedian Area Income1 family2 family3 family4 family5 family6 family7 family
Kent County68,40038,30043,80049,25054,70059,10063,50067,850
New Castle County96,60054,15061,85069,60077,30083,50089,70095,900
Sussex County75,90042,50048,60054,65060,70065,60070,45075,300

► West Virginia Income Limits

County NameMedian Area Income1 family2 family3 family4 family5 family6 family7 family
Barbour County50,00030,75035,15039,55043,90047,45050,95054,450
Berkeley County74,30041,65047,60053,55059,45064,25069,00073,750
Boone County50,30030,75035,15039,55043,90047,45050,95054,450
Braxton County55,90031,30035,80040,25044,70048,30051,90055,450
Brooke County62,40036,50041,70046,90052,10056,30060,45064,650
Cabell County59,10033,15037,85042,60047,30051,10054,90058,700
Calhoun County51,00030,75035,15039,55043,90047,45050,95054,450
Clay County55,70034,10038,95043,80048,65052,55056,45060,350
Doddridge County62,10032,75037,40042,10046,75050,50054,25058,000
Fayette County50,60030,75035,15039,55043,90047,45050,95054,450
Gilmer County52,30030,75035,15039,55043,90047,45050,95054,450
Grant County54,00030,75035,15039,55043,90047,45050,95054,450
Greenbrier County54,40030,75035,15039,55043,90047,45050,95054,450
Hampshire County83,40044,45050,80057,15063,45068,55073,65078,700
Hancock County62,40036,50041,70046,90052,10056,30060,45064,650
Hardy County49,50030,75035,15039,55043,90047,45050,95054,450
Harrison County77,60041,65047,60053,55059,45064,25069,00073,750
Jackson County58,80032,95037,65042,35047,05050,85054,60058,350
Jefferson County94,70053,05060,60068,20075,75081,85087,90093,950
Kanawha County55,70034,10038,95043,80048,65052,55056,45060,350
Lewis County51,60030,75035,15039,55043,90047,45050,95054,450
Lincoln County48,70030,75035,15039,55043,90047,45050,95054,450
Logan County53,30030,75035,15039,55043,90047,45050,95054,450
McDowell County34,00030,75035,15039,55043,90047,45050,95054,450
Marion County63,60035,65040,75045,85050,90055,00059,05063,150
Marshall County68,90038,60044,10049,60055,10059,55063,95068,350
Mason County52,90030,75035,15039,55043,90047,45050,95054,450
Mercer County53,20030,75035,15039,55043,90047,45050,95054,450
Mineral County61,90040,80046,60052,45058,25062,95067,60072,250
Mingo County43,10030,75035,15039,55043,90047,45050,95054,450
Monongalia County73,90041,40047,30053,20059,10063,85068,60073,300
Monroe County48,20030,75035,15039,55043,90047,45050,95054,450
Morgan County63,60035,65040,75045,85050,90055,00059,05063,150
Nicholas County53,70030,75035,15039,55043,90047,45050,95054,450
Ohio County68,90038,60044,10049,60055,10059,55063,95068,350
Pendleton County50,10030,75035,15039,55043,90047,45050,95054,450
Pleasants County59,70033,40038,20042,95047,70051,55055,35059,150
Pocahontas County58,20032,60037,25041,90046,55050,30054,00057,750
Preston County73,90041,40047,30053,20059,10063,85068,60073,300
Putnam County77,10043,20049,40055,55061,70066,65071,60076,550
Raleigh County54,30030,75035,15039,55043,90047,45050,95054,450
Randolph County55,80031,30035,75040,20044,65048,25051,80055,400
Ritchie County55,00030,80035,20039,60044,00047,55051,05054,600
Roane County48,70030,75035,15039,55043,90047,45050,95054,450
Summers County45,40030,75035,15039,55043,90047,45050,95054,450
Taylor County61,30034,35039,25044,15049,05053,00056,90060,850
Tucker County57,90032,45037,05041,70046,30050,05053,75057,450
Tyler County56,80031,85036,40040,95045,45049,10052,75056,400
Upshur County55,30031,00035,40039,85044,25047,80051,35054,900
Wayne County59,10033,15037,85042,60047,30051,10054,90058,700
Webster County44,60030,75035,15039,55043,90047,45050,95054,450
Wetzel County51,70030,75035,15039,55043,90047,45050,95054,450
Wirt County64,30035,50040,60045,65050,70054,80058,85062,900
Wood County64,30035,50040,60045,65050,70054,80058,85062,900
Wyoming County51,90030,75035,15039,55043,90047,45050,95054,450

Additional

Applicants are required to complete at least four hours of homeownership counseling, including the topic of predatory lending, prior to the purchase of the home.

The First Front Door program requires registration through a member bank or lender. The registration for the grant is valid for 6 months. In other words, get pre-approved and have up to 6 months to shop for a home and close.

The First Front Door program Funding will open in March and close when funds are exhausted. Don’t wait, get registered, and start looking for your home now!