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First Time Home Buyer Program - Allegheny County

The Allegheny County's first time home buyer program is available to all qualified residents of Allegheny County with the exception of the residents of the City of Pittsburgh (see Pittsburgh Homeownership Program).

The homebuyer program provides up to $5,000 in closing cost and down payment assistance to eligible borrowers.

Down Payment and Closing Cost and Assistance Program.

Mortgage loan limit - $248,900
Sales Price Limit - $294,750 for existing homes and new construction

Additional Requirements

Closing Cost and Down Payment Assistance

The Allegheny County First Time Home Buyer Program provides down payment and closing cost assistance to qualified home buyers up to a maximum of $5,000. Borrowers must satisfy all program guidelines . . . and household income should be at or under 100% of the area median income. The household income limits are:

Household Size Gross (Pre-tax) Income
1 Member $45,500
2 Members $52,400
3 Members $58,500
4 Members $64,900
5 Members $70,100
6 Members $73,600
7 Members $73,600
8 Members $73,600

Targeted Area Home Buyer Program:
All of the First Time Home Buyer Requirements apply EXCEPT:

  1. There is no First Time Home Buyer Requirement
  2. The borrower’s Household income must meet Household Income Limits.
  3. Sales Price Limit $360,250
  4. The house must be located within one of the following census tracts:

Clairton: 4923
Duquesne: 4869
Homestead: 4838
Rankin: 5140
W. Homestead: 4824
McKees Rocks: 4644
McKeesport: 5509, 5519, 5521

Allegheny County Home Buyer and Credit counseling Programs

Frequently Asked Questions

Can you still get a mortgage with no down payment?

If you meet the eligibility requirements of the Veterans Administration and lender guidelines, yes, you can get a no down payment mortgage. If you meet the credit, employment, and income requirements along with the location of the home, the USDA is able to offer you a no down payment home loan.