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 email me at Dan@Lordmortgage.com

 

 

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.

 

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. 

 

City of Pittsburgh

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.

 

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.

 

Bedford County

 

Berks County

Closing cost assistance loan program to eligible low moderate income families who have received approval for FHA First mortgage financing to purchase a home in Berks County, including the City of Reading.

 

Blair County 

Bradford County - Homeownership Program – This program is available in Bradford and Susquehanna counties for first-time homebuyers.

 

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.

 

Butler County

 

 

Cambria County

 

 

Cameron County

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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).

 

• State College

The State College First Time Home Buyer (FTHB) program offers mortgage and closing cost assistance to both moderate and lower income families.

 

Chester County

Chester County has a terrific program for first time home buyers; possibly the best closing cost assistance program in the state.

 

Clarion County

 

Clearfield County

 

Clinton County

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

 

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. 

 

Crawford County

 

 

Cumberland County

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.

 

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?

 

Delaware County

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

 

Elk County

 

 

Erie County

 

 

Fayette County

 

 

Forest County

 

 

Franklin County

 

 

Fulton County

 

 

Greene County

 

 

Huntingdon County

 

 

Indiana County

 

 

Jefferson County

 

 

Juniata County

 

 

Lackawanna 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.

 

 

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.

 

Lawrence County

 

 

Lebanon County

 

 

Lehigh County

 

 

Luzerne County

 

 

Lycoming County

 

McKean County

 

 

Mercer County

 

 

Mifflin County

 

 

Monroe County

 

Montgomery County

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.

 

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). 

 

Northampton County

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

 

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.

 

Venango County

Venango County First Time Home Buyer 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.

 

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.

 

Wayne County

 

 

Westmoreland County

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York County 

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