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First Time Home Buyer Programs in Pennsylvania Counties

Map of PAMany 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.

Adams County

Adams County Closing Cost Assistance Program - Eligible home buyers are able to obtain a low interest loan from $2,000 to $7,000. Read more

Allegheny County

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

- City of Pittsburgh

Nice city homeThe 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

Armstrong County

Beaver County

Qualified first time homebuyers will be eligible to receive a subordinated (2nd) mortgage up to a maximum of $3,500 for their down payment and or closing costs. Read more

Bedford County

Berks County

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

Blair County

Bradford County

Nice home in Bradford CountyHomeownership Program – This program is available in Bradford and Susquehanna counties for first-time homebuyers. Read more

Bucks County

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

Butler County
Cambria County
Cameron County
Carbon County

Centre County

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

- State College

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

House in Chester CountyChester 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

Clarion County
Clearfield County

Clinton County

Clinton County provides a First Time Homebuyers Closing Cost Assistance Program to promote homeownership opportunities for county residents. Read more

Columbia County

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

Crawford County

Cumberland County

House in Cumberland CountyThe 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

Dauphin County

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

Upper Darby Township first time homebuyer program offers a maximum of $6,000.00 for closing payment assistance to qualified buyers. Read more

Delaware County

The Homeownership First Program provides counseling and up to $5,000 in down payment and closing costs to qualifying first time homebuyers. Read more

Elk County
Erie County
Fayette County
Forest County
Franklin County
Fulton County
Greene County

Huntingdon County

- Smithfield Township

The maximum amount of assistance available per buyer is $5,000 for closing costs and half of their down payment expenses. Read more

Indiana County
Jefferson County
Juniata County

Lackawanna County homeLackawanna County

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. Read more

- City of Scranton

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. Read more

Lancaster County

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 more

Lawrence County
Lebanon County
Lehigh County
Luzerne County
Lycoming County

- City of Williamsport

The City offers homebuyer assistance to help income eligible households become homeowners in the City of Williamsport. Read more

McKean County
Mercer County
Mifflin County
Monroe County

Montgomery County

House in Mongomery CountyEligible 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

Montour County

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

Northampton County

The Northampton County First Time Homebuyer Program provides loans to eligible first time buyers of Northampton County homes. Read more

Northumberland County
Perry County
Philadelphia County
Pike County
Potter County
Schuylkill County
Snyder County
Somerset County
Sullivan County
Susquehanna County
Tioga County

Union County

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. Read more

Venango County

House in Venango CountyThe 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
Warren County

Washington County

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. Read more

Wayne County
Westmoreland County

York County

The County of York and City of York provide closing cost and down payment assistance to first time homebuyers. Read more