Pennsylvania Home Buyer

City of Pittsburgh First Time Home Buyer Program


Nice house with sold signThe 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.

The Pittsburgh Home Ownership Program provides fixed, low interest, 30-year mortgage loans for low to moderate income home buyers. The PHOP program has a low down payment requirement of 3.5%.  A great feature of PHOP is that they offer what others don’t --- help with your down payment and closing costs. The Urban Redevelopment Authority (URA) offers a down payment and closing cost assistance grant up to $3,000, for income eligible borrowers. Pretty cool! Here's the skinny . . . Pittsburgh Home Ownership Program - PHOP

PHOP Requirements:
1. You have to live in the home as your principal residence. No investors!
2. Single family home, duplex, triplex or 4 units are ok.
3. Your household income and the purchase price must not exceed the limits below.
4. If you're purchasing in a program area you must be either a first time home buyer or haven’t owned a home in the past three years.
5. You may need to attend home buyers education program.
6. This is NOT FREE MONEY! You have to qualify for this home loan. In other words, your income, credit, employment will be verified by the mortgage company and must be sufficient to qualify for the loan.


The City of Pittsburgh has two programs:

Program Area - You must be a first time home buyer or haven’t owned a home in 3 years if you are purchasing a home in the Program Area.

Target Area - You DO NOT NEED to be a first time home buyer if you are purchasing in the Target Area. Where are the Program and Target areas?

Program Area
Interest Rate The interest rate is a bit higher than other programs, however, the closing cost assistance grant is exceptional.
Term 30 years
Minimum Down Payment 3.5% - FHA guidelines
Mortgage Origination Fee There are 1 1/2 points on the loan amount that is split equally between the buyer and the seller. Or, the seller can pay the points as a “seller assist”.
Eligible Areas City of Pittsburgh

Income Limits PROGRAM AREA

$63,000 per household - 1 - 2 occupants
$72,450 per household -  3 or more occupants
Mortgage Limit 1  Unit -  $216,000
2 Units - $261,701
3 Units - $316,327
4 Units - $393,120

Target Area
Interest Rate The interest rate is a bit higher than other programs, however, the closing cost assistance grant is exceptional.
Term 30 years
Minimum Down Payment 3.5% - FHA guidelines
Mortgage Origination Fee There are 1 1/2 points on the loan amount that is split equally between the buyer and the seller. Or, the seller can pay the points as a “seller assist”.
Eligible Areas City of Pittsburgh
Income Limits TARGET AREA:
$75,600 per household (1-2 persons)
$88,200 per household (3 or more persons)
Mortgage Limit 1 Unit -   $264,000
2 Units - $319,857 3 Units - $386,621
4 Units - $480,480

Closing Cost and Down Payment Assistance

Participants in the First Time Home Buyer Program may qualify for up to a maximum of $3,000 in Closing Cost and Down Payment Assistance. To be eligible, borrowers must meet all program criteria, and household income must be at or below 80% of the area median income.

Is your household income . . .
1 Occupant - $35,300
2 Occupant - $40,350
3 Occupant - $45,400
4 Occupant - $50,400
5 Occupant - $54,450

Borrowers must attend a HUD-approved home buyer Education Course and receive certification of participation in home buyer education training. Borrowers must provide a certified copy of their tax returns for the most recent year.

City of Pittsburgh Home Buyer and Credit counseling Programs







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