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).

FAQ's about the First Front Door Grant Assistance Program

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

Is there a minimum credit score with this program?
No

Is there a minimum down payment?

No

What homes are eligible?

Single-family houses, townhomes, condominiums, modular units, and manufactured homes.

Can I ask the seller to pay my closing costs (seller assist) and still obtain the grant money?

Yes. The assistance grant is not decreased based on seller contribution based on the first mortgage (i.e. FHA, VA, USDA, or conventional loan).

Are there income limits?

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 2019

► Pennsylvania Income Limits

2019 HUD median income limits - 80% of HUD Median Household Income for Pennsylvania
County Name Area Median Income 1 person 2 people 3 people 4 people 5 people 6 people 7 people
Adams County 79,400 44,450 50,800 57,150 63,500 68,600 73,700 78,750
Allegheny County 79,900 44,750 51,150 57,550 63,900 69,050 74,150 79,250
Armstrong County 65,000 36,400 41,600 46,800 52,000 56,200 60,350 64,500
Beaver County 79,900 44,750 51,150 57,550 63,900 69,050 74,150 79,250
Bedford County 59,800 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Berks County 76,300 42,750 48,850 54,950 61,050 65,950 70,850 75,750
Blair County 63,000 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Bradford County 65,800 36,900 42,150 47,400 52,650 56,900 61,100 65,300
Bucks County 90,100 50,500 57,700 64,900 72,100 77,900 83,650 89,450
Butler County 79,900 44,750 51,150 57,550 63,900 69,050 74,150 79,250
Cambria County 63,800 35,750 40,850 45,950 51,050 55,150 59,250 63,350
Cameron County 52,700 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Carbon County 78,400 43,900 50,200 56,450 62,700 67,750 72,750 77,750
Centre County 93,000 50,750 58,000 65,250 72,500 78,300 84,100 89,900
Chester County 90,100 50,500 57,700 64,900 72,100 77,900 83,650 89,450
Clarion County 59,200 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Clearfield County 59,900 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Clinton County 61,800 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Columbia County 65,700 36,800 42,050 47,300 52,550 56,800 61,000 65,200
Crawford County 60,700 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Cumberland County 81,100 45,450 51,950 58,450 64,900 70,100 75,300 80,500
Dauphin County 81,100 45,450 51,950 58,450 64,900 70,100 75,300 80,500
Delaware County 90,100 50,500 57,700 64,900 72,100 77,900 83,650 89,450
Elk County 65,000 36,400 41,600 46,800 52,000 56,200 60,350 64,500
Erie County 66,800 37,450 42,800 48,150 53,450 57,750 62,050 66,300
Fayette County 79,900 44,750 51,150 57,550 63,900 69,050 74,150 79,250
Forest County 47,100 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Franklin County 76,400 42,800 48,900 55,000 61,100 66,000 70,900 75,800
Fulton County 63,000 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Greene County 63,700 35,700 40,800 45,900 50,950 55,050 59,150 63,200
Huntingdon County 59,800 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Indiana County 64,800 36,300 41,500 46,700 51,850 56,000 60,150 64,300
Jefferson County 57,200 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Juniata County 63,400 35,500 40,600 45,650 50,700 54,800 58,850 62,900
Lackawanna County 67,000 37,550 42,900 48,250 53,600 57,900 62,200 66,500
Lancaster County 76,200 42,700 48,800 54,900 60,950 65,850 70,750 75,600
Lawrence County 65,000 36,400 41,600 46,800 52,000 56,200 60,350 64,500
Lebanon County 71,600 40,150 45,850 51,600 57,300 61,900 66,500 71,100
Lehigh County 78,400 43,900 50,200 56,450 62,700 67,750 72,750 77,750
Luzerne County 67,000 37,550 42,900 48,250 53,600 57,900 62,200 66,500
Lycoming County 64,000 35,850 41,000 46,100 51,200 55,300 59,400 63,500
McKean County 58,000 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Mercer County 65,200 36,550 41,750 46,950 52,150 56,350 60,500 64,700
Mifflin County 53,500 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Monroe County 78,800 44,150 50,450 56,750 63,050 68,100 73,150 78,200
Montgomery County 90,100 50,500 57,700 64,900 72,100 77,900 83,650 89,450
Montour County 74,000 41,450 47,400 53,300 59,200 63,950 68,700 73,450
Northampton County 78,400 43,900 50,200 56,450 62,700 67,750 72,750 77,750
Northumberland County 60,800 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Perry County 81,100 45,450 51,950 58,450 64,900 70,100 75,300 80,500
Philadelphia County 90,100 50,500 57,700 64,900 72,100 77,900 83,650 89,450
Pike County 75,400 42,250 48,250 54,300 60,300 65,150 69,950 74,800
Potter County 57,000 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Schuylkill County 65,200 36,550 41,750 46,950 52,150 56,350 60,500 64,700
Snyder County 64,200 35,950 41,100 46,250 51,350 55,500 59,600 63,700
Somerset County 60,800 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Sullivan County 60,800 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Susquehanna County 63,900 35,800 40,900 46,000 51,100 55,200 59,300 63,400
Tioga County 61,900 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Union County 67,700 37,950 43,350 48,750 54,150 58,500 62,850 67,150
Venango County 59,100 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Warren County 61,000 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Washington County 79,900 44,750 51,150 57,550 63,900 69,050 74,150 79,250
Wayne County 66,700 37,350 42,700 48,050 53,350 57,650 61,900 66,200
Westmoreland County 79,900 44,750 51,150 57,550 63,900 69,050 74,150 79,250
Wyoming County 67,000 37,550 42,900 48,250 53,600 57,900 62,200 66,500
York County 76,600 42,950 49,050 55,200 61,300 66,250 71,150 76,050

► Delaware Income Limits

2019 HUD median income limits - 80% of HUD Median Household Income for Delaware
County Name Area Income 2019 1 person 2 people 3 people 4 people 5 people 6 people 7 people
Kent County 66,000 37,450 42,800 48,150 53,500 57,800 62,100 66,350
New Castle County 90,100 50,500 57,700 64,900 72,100 77,900 83,650 89,450
Sussex County 72,100 40,400 46,200 51,950 57,700 62,350 66,950 71,550

► West Virginia Income Limits

2019 HUD median income limits - 80% of HUD Median Household Income for Delaware
County Name Area Income 2019 1 person 2 people 3 people 4 people 5 people 6 people 7 people
Barbour County 48,500 30,350 34,700 39,050 43,350 46,850 50,300 53,800
Berkeley County 76,200 41,800 47,800 53,750 59,700 64,500 69,300 74,050
Boone County 50,700 30,350 34,700 39,050 43,350 46,850 50,300 53,800
Braxton County 53,400 30,350 34,700 39,050 43,350 46,850 50,300 53,800
Brooke County 59,100 36,650 41,850 47,100 52,300 56,500 60,700 64,900
Cabell County 56,400 31,600 36,100 40,600 45,100 48,750 52,350 55,950
Calhoun County 56,100 31,450 35,950 40,450 44,900 48,500 52,100 55,700
Clay County 65,500 35,850 41,000 46,100 51,200 55,300 59,400 63,500
Doddridge County 52,500 30,350 34,700 39,050 43,350 46,850 50,300 53,800
Fayette County 48,500 30,350 34,700 39,050 43,350 46,850 50,300 53,800
Gilmer County 48,100 30,350 34,700 39,050 43,350 46,850 50,300 53,800
Grant County 51,400 30,350 34,700 39,050 43,350 46,850 50,300 53,800
Greenbrier County 53,100 30,350 34,700 39,050 43,350 46,850 50,300 53,800
Hampshire County 73,500 41,200 47,050 52,950 58,800 63,550 68,250 72,950
Hancock County 59,100 36,650 41,850 47,100 52,300 56,500 60,700 64,900
Hardy County 48,000 30,350 34,700 39,050 43,350 46,850 50,300 53,800
Harrison County 69,100 38,600 44,100 49,600 55,100 59,550 63,950 68,350
Jackson County 58,800 32,950 37,650 42,350 47,050 50,850 54,600 58,350
Jefferson County 91,700 51,350 58,700 66,050 73,350 79,250 85,100 91,000
Kanawha County 65,500 35,850 41,000 46,100 51,200 55,300 59,400 63,500
Lewis County 49,400 30,350 34,700 39,050 43,350 46,850 50,300 53,800
Lincoln County 47,300 30,350 34,700 39,050 43,350 46,850 50,300 53,800
Logan County 53,600 30,350 34,700 39,050 43,350 46,850 50,300 53,800
McDowell County 30,900 30,350 34,700 39,050 43,350 46,850 50,300 53,800
Marion County 62,200 34,850 39,800 44,800 49,750 53,750 57,750 61,700
Marshall County 65,200 36,550 41,750 46,950 52,150 56,350 60,500 64,700
Mason County 51,000 30,350 34,700 39,050 43,350 46,850 50,300 53,800
Mercer County 51,700 30,350 34,700 39,050 43,350 46,850 50,300 53,800
Mineral County 59,300 38,300 43,800 49,250 54,700 59,100 63,500 67,850
Mingo County 44,800 30,350 34,700 39,050 43,350 46,850 50,300 53,800
Monongalia County 74,600 41,800 47,800 53,750 59,700 64,500 69,300 74,050
Monroe County 46,500 30,350 34,700 39,050 43,350 46,850 50,300 53,800
Morgan County 58,700 34,700 39,650 44,600 49,550 53,550 57,500 61,450
Nicholas County 52,700 30,350 34,700 39,050 43,350 46,850 50,300 53,800
Ohio County 65,200 36,550 41,750 46,950 52,150 56,350 60,500 64,700
Pendleton County 49,400 30,350 34,700 39,050 43,350 46,850 50,300 53,800
Pleasants County 55,300 31,000 35,400 39,850 44,250 47,800 51,350 54,900
Pocahontas County 56,400 31,600 36,100 40,600 45,100 48,750 52,350 55,950
Preston County 74,600 41,800 47,800 53,750 59,700 64,500 69,300 74,050
Putnam County 73,800 41,350 47,250 53,150 59,050 63,800 68,500 73,250
Raleigh County 61,100 32,150 36,750 41,350 45,900 49,600 53,250 56,950
Randolph County 54,900 30,750 35,150 39,550 43,900 47,450 50,950 54,450
Ritchie County 54,300 30,450 34,800 39,150 43,450 46,950 50,450 53,900
Roane County 46,200 30,350 34,700 39,050 43,350 46,850 50,300 53,800
Summers County 48,500 30,350 34,700 39,050 43,350 46,850 50,300 53,800
Taylor County 56,900 31,850 36,400 40,950 45,500 49,150 52,800 56,450
Tucker County 56,300 31,550 36,050 40,550 45,050 48,700 52,300 55,900
Tyler County 54,600 30,600 35,000 39,350 43,700 47,200 50,700 54,200
Upshur County 55,400 31,050 35,450 39,900 44,300 47,850 51,400 54,950
Wayne County 56,400 31,600 36,100 40,600 45,100 48,750 52,350 55,950
Webster County 40,800 30,350 34,700 39,050 43,350 46,850 50,300 53,800
Wetzel County 50,700 30,350 34,700 39,050 43,350 46,850 50,300 53,800
Wirt County 61,000 32,950 37,650 42,350 47,050 50,850 54,600 58,350
Wood County 61,000 32,950 37,650 42,350 47,050 50,850 54,600 58,350
Wyoming County 50,100 30,350 34,700 39,050 43,350 46,850 50,300 53,800

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!