Many PA counties and cities offer special financing for first time home buyers and buyers whose income is at or below the median income limit. Some of the counties offer down payment and closing cost assistance grants. Here are a few programs that I've found. If you are aware of a first time home buyer program that is not featured (or if you can update the information), please send me an Email.
All Allegheny County residents who meet income limits are eligible except those who reside in the City of Pittsburgh. A minimum down payment of approximately 3.5 percent is required. Up to $5,000 in down payment and closing cost assistance is available to eligible borrowers and up to 100% of area median income. Read more
The City of Pittsburgh provides low interest rate home loans for the purchase of new or existing homes (in move-in condition) located in the City of Pittsburgh. The Pittsburgh Home Ownership Program - PHOP. Down payment and closing cost assistance grant money is available to all eligible home buyers. Read more
Closing cost assistance loan program to eligible low moderate income families who have received approval for FHA 1st mortgage financing to purchase a home in Berks County, including the City of Reading. Read more
Homeownership Program – This program is available in Bradford and Susquehanna counties for first-time homebuyers. Read more
Bucks County offers a zero interest loan for eligible home buyers for down payment and closing cost assistance. The maximum assistance loan is $10,000. Read more
The Centre County Housing Trust Fund will be used to assist the home buyer with down payment assistance. A maximum of $10,000, or 10% of the purchase price (whichever is less). Read more
The State College First Time Home Buyer (FTHB) program offers mortgage and closing cost assistance to both moderate and lower income families. Read more
Chester County has a terrific program for first time home buyers; possibly the best closing cost assistance program in the state. The maximum loan of $10,000 for purchase of a home in a Chester County township and $12,500 for purchase of a home in the City of Coatesville or in a Chester County borough. Read more
Clinton County provides a First Time Homebuyers Closing Cost
Assistance Program to promote homeownership opportunities for county
residents. Read more
Columbia County Housing Authority offers a down payment and closing cost assistance Program for eligible low and moderate income first time home buyers who want to purchase homes in the Columbia County. Read more
The Cumberland County First-Time Home buyers’ down payment and closing cost assistance program provides eligible home buyers with up to $3,000 in assistance to purchase homes in Cumberland County. Read More
Did you know that Dauphin County provides down payment and or
closing cost assistance up to $3,000 to eligible first-time buyers
of Dauphin County homes? Read more
Upper Darby Township first time homebuyer program offers a maximum of $6,000.00 for closing payment assistance to qualified buyers. Read more
The Homeownership First Program provides counseling and up to $5,000 in down payment and closing costs to qualifying first time homebuyers. Read more
The program offers down payment subsidy of up to 15% (not to
exceed $18,000) of the mortgaged loan with a minimum of 5% (verified)
required from home buyer(s) assets.
The City of Scranton First-Time Homebuyer Program provides funds
in the form of a forgivable, deferred-payment loan to income-eligible,
first-time homebuyers who wish to purchase a home in Scranton.
Lancaster County offers eligible first time home buyers a down
payment and closing cost assistance loan of 8% of the sales price
up to a maximum of $5,000.00. Read
Eligible participants may receive assistance with closing costs up to 8% of the sales price, and if your income is below 80% of the median income (see below), the Montgomery county will chip in an additional 2% toward the down payment for a total assistance of 10% of the sales price. Read more
The Monroe County First Time Home Buyers Program offers a second
mortgage up to a maximum of $5,000 or 10% of the purchase price,
(whichever is less). Read more
The Northampton County First Time Homebuyer Program provides
loans to eligible first time buyers of Northampton County homes.
Union County offers eligible home buyers with be $10,000 or 10%
of the purchase price for down payment and or closing cost assistance.
The total amount of any loan shall not exceed $10,000.
Venango County First Time Home Buyer Program
The program provides eligible applicants with an closing costs or down payment assistance loan of up to $5,000 or 10% of the purchase price, whichever is less. Read more
The Redevelopment Authority of Washington County has established
the USDA Closing Cost Assistance Program to assist first time, low
income, homebuyers in attaining their goal of home ownership by
providing financial assistance.
The County of York and City of York provide closing cost and down payment assistance to first time homebuyers. Read more