Pittsburgh First Time Home Buyer

The OwnPGH Homeownership Program

Young couple displaying the keys to their new homeThe City of Pittsburgh offers a generous homebuying assistance grant of up to $90,000 for eligible residents. This grant can be used to cover a portion of the down payment or closing costs when purchasing a home within city limits.

To qualify, homebuyers must have a total household income at or below 80% of the Area Median Income (AMI) as defined annually by HUD.

This program aims to expand homeownership opportunities and make purchasing a home more accessible for lower-income households in Pittsburgh. The substantial grant amount provides significant savings on the transaction costs associated with buying a property for those who meet the income criteria.

Interested homebuyers are encouraged to explore the eligibility requirements and application process to take advantage of this impactful program and realize their dreams of homeownership in the City of Pittsburgh.

Who is Eligible?

Individuals must first prequalify for a home loan through one of four ura bank partners.

Individuals may not exceed 80% of Area Median Income (ami).

The residence must be located in the City of Pittsburgh

Properties outside of City of Pittsburgh limits do not qualify for OwnPGH assistance program.

Area Median Income Limits

Household Size Maximum Income
1$56,250
2$64,250
3$72,300
4$80,300
5$86,750
6$93,150

This chart shows the maximum annual income limits for those interested in applying for the OwnPGH Program.

Annual Gross Income = Total income received by the entire household, before taxes and withholdings

First time homebuyers, making less than 80% of the AMI may be eligible to receive up to $ 7500 for down payment and closing costs in the form of a 0 % interest.

Additional Homebuying Assistance

Individuals purchasing their first home with an income below 80% of the Area Median Income (AMI) could qualify for a financial assistance program. They may receive up to $7,500 for down payment and closing expenses through a 0% interest, 5-year deferred loan.

OwnPGH Bank Partners

SSB Bank
Heather Dieckmann
412.837.6955
hdieckmann@ssbpgh.com

Dollar Bank
Steve Kaminski
412.261.4219
SKaminski205@dollarbank.com

First Commonwealth Bank
Joseph Tomaceski
412.495.2337
jtomaceski@fcbanking.com

S&T Bank
David McGowan
412.915.7997
David.mcgowan@stbank.com

Additional Information

For more information, please contact the URA by calling 412.255.6694, ext. 6721, or by emailing OwnPGH@ura.org. Language translation is available free of charge. Please send an email to translation@ura.org.