Calling all first-time homebuyers in Pennsylvania. This comprehensive guide is your indispensable resource, providing valuable information and specialized assistance programs tailored exclusively for residents of the Keystone State. Explore a variety of programs, including down payment assistance and favorable mortgage options, designed to make homeownership more attainable. Navigate the dynamic real estate market of Pennsylvania with confidence and uncover the unique opportunities that await you in the historic cities, picturesque landscapes, and vibrant communities of the state.
State-Wide Programs
Program | Assistance Offered | Who Should Apply | Assistance Type |
---|---|---|---|
PHFA: ACCESS Down Payment and Closing Cost Assistance | Up to $15,000 in down payment and closing cost assistance | Homebuyers with a disability who are also using ACCESS modification program | Deferred loan with a 0% interest rate |
PHFA: ACCESS Home Modification Program | Up to $10,000 in home renovation/modification assistance | Homebuyers with a disability who are purchasing a home that needs modifications and can meet income requirements | Deferred loan with a 0% interest rate |
PHFA: Employer Assisted Housing | Up to $6,000 in down payment and closing cost assistance | Homeuyers that work for participating EAH Employers | Second mortgage with a 0% interest rate |
PHFA: HOMEstead Down Payment and Closing Cost Assistance Loan | Up to $10,000 in down payment and closing cost assistance | Any homebuyer that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
PHFA: Keystone Advantage Assistance Loan Program | Up to $6,000 in down payment and closing cost assistance | Any homebuyer that can meet income requirements | Loan with a 0% interest rate |
PHFA: Mortgage Credit Certificate (MCC) | Reduces up to $2,000 in mortgage interest that you pay into federal taxes for the life of your loan | First time homebuyers | Tax credit |
Regional Programs
County/Region | Program | Assistance Offered | Who Should Apply | Assistance Type |
---|---|---|---|---|
Allegheny | Closing costs & Pown Payment Assistance | Up to $5,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Not specified |
Berks | NHS Closing Cost Assistance Program | Closing cost assistance - amount not specified | Any homebuyer that can meet income requirements | Not specified |
Berks | FHA Closing Cost Assistance Program | Closing cost assistance - amount not specified | Any homebuyer that can meet income requirements | Not specified |
Berks | HomeOwnership Program Financing | Closing cost assistance - amount not specified | Any homebuyer that can meet income requirements | Not specified |
Chester | First Time Home Buyer Program | Up to $10,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Deferred loan with a 0% interest rate |
Cumberland | First-time Homebuyers Down Payment and closing Cost Assistance Program | Up to $5,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgiveable loan with a 0% interest rate |
Dauphin | Affordable Housing Trust Fund Advisory Board/First Time Home Buyers Program (FTHB) | Up to $3,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Deferred loan with a 0% interest rate |
Delaware | Homeownership Frist Program | Up to $5,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
Lancaster | Lancaster Housing Assistance Program | Up to $5,000 in down payment and closing cost assistance | First time homebuyers that can meet income and credit score requirements | Deferred loan with a 0% interest rate |
Lehigh | FHA Closing Cost Assistance Program | Closing cost assistance - amount not specified | Any homebuyer that can meet income requirements | Not specified |
Lehigh | HomeOwnership Program Financing | Closing cost assistance - amount not specified | Any homebuyer that can meet income requirements | Not specified |
Luzerne | The Growing Homeowners Initiative | Up to $7,500 in down payment and closing cost assistance | First time homebuyers | Forgivable, deferred loan with a 0% interest rate |
Montgomery | First Time Homebuyers Program | Up to $10,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Deferred loan with a 0% interest rate |
Washington | Redevelopment Authority of the County of Washington: Homebuyer Assistance Program | Up to 17% of purchase price can be used for down payment assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
York | York Housing Assistance Program | Up to $5,000 in down payment and closing cost assistance | First time homebuyers that can meet income and credit score requirements | Deferred loan with a 0% interest rate |
City Programs
City | Program | Assistance Offered | Who Should Apply | Assistance Type |
---|---|---|---|---|
Coatesville | First Time Home Buyer Program | Up to $20,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Deferred loan with a 0% interest rate |
Philadelphia | Philly First Home | Up to $10,000 in down payment and closing cost assistance | Any homebuyer that can meet income requirements | Deferred loan with a 0% interest rate |
Pittsburgh | Down Payment and Closing Cost Assistance Program | Up to $7,500 in down payment and closing cost assistance | Any homebuyer that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
Scranton | The First-Time Homebuyer Program | Down payment assistance - amount not specified | Any homebuyer that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
State College | State College Borough First-Time Homebuyer Program | Down payment assistance - amount not specified | Any homebuyer that can meet income requirements | Not specified |
Upper Darby Township | First Time Homebuyer Program | Up to $6,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements and with 5 years of US residency | Deferred loan with a 0% interest rate |
Williamsport | Home Buyer Assistance G A P Financing Program | Up to 20% of purchase price can be used for down payment assistance | Any homebuyer that can meet income requirements | Deferred loan with a 0% interest rate |
York | York Housing Assistance Program | Up to $7,000 in down payment and closing cost assistance | First time homebuyers that can meet income and credit score requirements | Deferred loan with a 0% interest rate |
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