Northampton County's First Time Home Buyer Loan

First Time Home Buyer Program - Northampton County, PA

happy familyELIGIBILITY

Northampton County offers home buying assistance to eligible first-time buyers. The loan program provides closing cost assistance up to a maximum of $5,000 to qualified first time home buyers. The assistance grant is structured as a subordinated mortgage (2nd mortgage lien).

The amount of closing assistance is based on the borrower's cash assets and the total cash requirement at settlement. The Mortgage, Promissory Note, and Loan Disclosure Statement documents will be recorded on behalf of the County of Northampton in the amount awarded after closing. 

The closing cost loan does not require a monthly payment and no interest is charged on the mortgage.

The home must be located in a low to moderate-income area(s) of the county where at least 42% of the residents have middle-incomes or less.

Eligible areas are the Cities of Easton and Bethlehem, in addition to certain areas within all other Boroughs and Townships of the county.

Municipality Maps

Hellertown Borough   Portland Borough
Bangor Borough Lehigh Township  Roseto Borough 
Bath Borough Lower Mt Bethel Township   Stockertown Borough 
Bethlehem Township Lower Nazareth Township  Tatamy Borough 
Bushkill Township  Lower Saucon Township  Upper Mt Bethel Township 
Chapman Borough  Moore Township  Upper Nazareth Township 
East Allen Township  Nazareth Borough  Walnutport Borough 
East Bangor Borough  Northampton Borough  Washington Township 
Forks Township  North Catasauqua Borough  West Easton Borough 
Freemansburg Borough  Palmer Township  Williams Township 
Glendon Borough Pen Argyl Borough  Wilson Borough
Hanover Township  Plainfield Township  Wind Gap Borough 


The house to be purchased can be one to four (4) units and you must you must occupy the property as your personal residence.



You need to be creditworthy and qualified for a mortgage at or below the current rate;

Northampton County Residency

Current residency in Northampton County is not required.

First Time Home Buyer Education

Applicants are required to complete a a home buyer counseling program prior to signing a sales contract. Participants are required to speak to a Counselor for a private counseling session to go over their credit responsibilities, budget, mortgage financing and home ownership obligations. The counseling program will likely last a few hours.

Borrower's Contribution

The applicant must provide no less than 1.5% of the sales price. The down payment must come from the applicant’s checking, savings or investment account(s) and must be verified by the mortgage lender.


The buyer’s liquid assets may not exceed the total of 3% purchase price at settlement. Any amount above the 3% must be applied to the purchase of the home. For example, an individual can have 4.5% of the sale price in ready cash, use 1.5% as a down payment and keep the remaining 3%.

Eligible Mortgage Programs

Conventional (Fannie Mae & Freddie Mac) | FHA  | USDA