County Loan Program and Grants

Many counties and towns in Pennsylvania provide special financing and grants to first-time homebuyers and purchasers whose income is at or below the median income level. Some 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.

Armstrong County

Buying your first home in Armstrong County is achievable through Pennsylvania state programs and the NeighborWorks LIFT down-payment assistance program. Armstrong County Department of Planning and Development administers various housing assistance programs including HOME funds for income-eligible homeowners. The Pennsylvania Housing Finance Agency programs K-FIT and HOMEstead are available to qualified buyers. K-FIT provides up to five percent (5%) of your purchase price in forgivable down payment and closing cost assistance at zero percent (0%) interest forgiven over ten years.

HOMEstad offers between one thousand and ten thousand dollars (1,000-10,000) in assistance forgiven over five years at zero percent (0%) interest. The NeighborWorks LIFT program serves Armstrong County as part of Western Pennsylvania, providing down payment assistance loans with a minimum credit score of six hundred twenty (620) and income-based eligibility. Work with a PHFA-approved lender and complete homebuyer counseling to access these programs. Read more

Beaver County

Beaver County offers multiple assistance programs to help first-time homebuyers cover down payment and closing costs. The Beaver County First Time Buyer Program provides grants forgiven at 20 percent annually over five years for buyers with income at or below 80 percent of median income.

Housing Opportunities runs an Income-Based Grant ($3,000) and Location-Based Grant ($2,000) for qualifying buyers in targeted areas. NeighborWorks combines financial assistance with eight hours of homebuyer education and ongoing counseling support for seven years after closing. The Beaver County Home Improvement Program assists existing homeowners with rehabilitation needs through zero percent interest loans paired with deferred payment grants. Read more

Bedford County

Buying your first home in Bedford County is achievable through Pennsylvania state programs and USDA Rural Development loans. Bedford County is one hundred percent (100%) eligible for USDA loans, which allow qualified homebuyers to purchase a home with zero down payment in rural areas. The Pennsylvania Housing Finance Agency programs K-FIT and HOMEstand are available to qualified buyers.

K-FIT provides up to five percent (5%) of your purchase price in forgivable down payment and closing cost assistance at zero percent (0%) interest forgiven over ten years. HOMEstad offers between one thousand and ten thousand dollars (1,000-10,000) in assistance forgiven over five years at zero percent (0%) interest. The Keystone Advantage Assistance Loan provides up to six thousand dollars (6,000) repaid over ten years at zero percent (0%) interest. Work with a participating PHFA lender and complete homebuyer counseling to access these programs. Read more

Berks County

Berks County offers five different assistance programs to help first-time homebuyers cover down payment and closing costs. Whether you need closing cost help, down payment matching funds, or a complete path to homeownership through affordable housing, Berks County has a program that fits your situation. Learn about each program, eligibility requirements, and how to apply today. Read more

Blair County

Buying your first home in Blair County is possible through Pennsylvania state programs and Blair County's HOME Investment Partnership Program. Blair County administers CDBG (Community Development Block Grant) and HOME funds that support first-time homebuyer assistance and housing counseling initiatives. The Pennsylvania Housing Finance Agency programs K-FIT and HOMEstand are available to qualified buyers in Blair County. K-FIT provides up to five percent (5%) of your purchase price in forgivable down payment and closing cost assistance at zero percent (0%) interest forgiven over ten years.

HOMEstand offers between one thousand and ten thousand dollars (1,000-10,000) in assistance forgiven over five years at zero percent (0%) interest. The Keystone Advantage Assistance Loan provides up to six thousand dollars (6,000) repaid over ten years at zero percent (0%) interest. Work with a PHFA-approved lender and complete homebuyer counseling to access these programs. Read more

Bradford County

Bradford County offers down payment and closing cost assistance programs to help first-time homebuyers achieve homeownership. The Trehab Community Action Partnership Homeownership Program serves Bradford, Wyoming, and Susquehanna counties with down payment and closing cost assistance through collaboration with local, state, and federal mortgage providers.

In addition to the Trehab program, all three counties have access to multiple Pennsylvania Housing Finance Agency programs including K-FIT, Keystone Advantage, HOMEstead, and federal mortgage options through FHA, VA, and USDA. Whether you need local assistance through Trehab or prefer state and federal mortgage programs, Bradford, Wyoming, and Susquehanna counties offer multiple pathways to affordable homeownership. Read more

Bucks County

Bucks County offers three different assistance programs to help first-time homebuyers cover down payment and closing costs and achieve homeownership. The Bucks County First Time Homebuyer Program provides up to $10,000 in no-interest deferred assistance for eligible households. Habitat for Humanity of Bucks County builds affordable homes with guaranteed monthly payments below 30 percent of gross income. The First Bank offers low-down-payment mortgages requiring as little as 5 percent down for qualified buyers.

Whether you need financial assistance through the county program, affordable housing through Habitat for Humanity, a low-down-payment mortgage through a local bank, or comprehensive counseling and education through Bucks County Housing Group, Bucks County has a program that fits your situation. Learn about each program, eligibility requirements, income limits, and how to apply today to start your journey toward homeownership. Read more

Centre County

Becoming a homeowner in Centre County is more achievable through the First-Time Home Buyer Program, which provides up to $10,000 in down payment and closing cost assistance to qualified buyers. Administered by the Centre County Commissioners in partnership with 12 participating banks and lenders throughout the county, the program helps working families with stable income but limited savings.

The program requires homeownership training to ensure buyers are prepared for homeownership responsibilities and is available countywide to all eligible applicants. If you are a first-time homebuyer in Centre County with income below the program limits, this program can provide the financial assistance needed to achieve homeownership. Read more 

- State College

State College offers multiple assistance programs to help first-time homebuyers achieve homeownership. The State College Borough First-Time Home Buyer Program provides mortgage and closing cost assistance with monthly costs potentially equal to or lower than current rent. The State College Community Land Trust offers shared equity homeownership. Habitat for Humanity constructs and sells homes through no-profit, no-interest loans. Centre County Housing Authority and PHFA programs are available. Federal mortgage options through FHA, VA, and USDA loans provide additional pathways. State College offers multiple options for first-time homebuyers. Read more

Chester County

The Housing Partnership of Chester County (HPCC) offers qualified first-time homebuyers zero-interest loans up to $40,000 to cover down payment and closing costs. If your household income is at or below 80% of the area median income, you may qualify for this HUD-backed program that has helped over 600 families achieve homeownership since 1988.

Beyond financial assistance, HPCC provides free homebuyer education classes and one-on-one counseling with HUD-certified housing counselors to prepare you for long-term success. The loan is structured as a second mortgage with zero interest and is repayable only when you sell, transfer, or refinance your home—making homeownership genuinely attainable for Chester County's working families. Read more

Clarion County

Buying your first home in Clarion County is accessible through state programs and the Clarion County Housing Authority. The Clarion County Housing Authority offers a Housing Choice Voucher Homeownership program that allows current or former voucher holders to use their housing assistance payments toward a mortgage. This program requires you to have held a voucher for at least one year, have a minimum annual income of fourteen thousand three hundred dollars (14,300), have one adult employed full time for a minimum of one year, and complete homeownership counseling.

Pennsylvania Housing Finance Agency programs K-FIT and HOMEstead are available to eligible buyers. K-FIT provides up to five percent (5%) of your purchase price in forgivable down payment and closing cost assistance at zero percent (0%) interest. NeighborWorks LIFT program also serves Clarion County as part of Western Pennsylvania, offering down payment assistance loans to qualified buyers. Read more

Clearfield County

Buying your first home in Clearfield County is possible through Pennsylvania state programs and the Clearfield County Affordable Housing Fund. The Redevelopment Authority of Clearfield County (RACC) administers the Clearfield County Affordable Housing Fund, which supports first-time homebuyer programs and housing counseling initiatives.

The Pennsylvania Housing Finance Agency programs K-FIT and HOMEstand are available to Clearfield County buyers. K-FIT provides up to five percent (5%) of your purchase price in forgivable assistance over ten years at zero percent (0%) interest.

HOMEstand offers between one thousand and ten thousand dollars (1,000-10,000) forgiven over five years. The NeighborWorks LIFT program serves Clearfield County as part of Western Pennsylvania, providing down payment assistance loans with income-based eligibility. Work with a PHFA-approved lender and complete homebuyer education to access these programs. Read more

Clinton County

Clinton County offers assistance programs to help first-time homebuyers achieve homeownership. The Clinton County First Time Home Buyer Program provides up to $2,500 in zero percent interest closing cost assistance for homes up to $132,000. Clinton County Home Rehabilitation Assistance provides grants and low-interest loans for owner-occupied home repairs and improvements.

Pennsylvania Housing Finance Agency programs including K-FIT, Keystone Advantage, and Keystone Home Loan are available to Clinton County residents. Federal mortgage options through FHA, VA, and USDA loans provide additional pathways. Whether you need county closing cost assistance, home rehabilitation support, or statewide and federal programs, Clinton County offers multiple options for first-time homebuyers. Read more

Columbia County

Columbia County offers assistance programs to help first-time homebuyers achieve homeownership. The Columbia County Housing Authority provides down payment and closing cost assistance for eligible low and moderate-income first-time homebuyers. Pennsylvania Housing Finance Agency programs including K-FIT, Keystone Advantage, and Keystone Home Loan are available to Columbia County residents.

Federal mortgage options through FHA, VA, and USDA loans provide additional pathways. Whether you need county Housing Authority assistance, counseling services, or statewide and federal programs, Columbia County offers multiple options for first-time homebuyers. Read more

Crawford County

Buying your first home in Crawford County is achievable through Pennsylvania state programs and the NeighborWorks LIFT down-payment assistance program. Pennsylvania Housing Finance Agency programs K-FIT and HOMEstead are available to qualified buyers in Crawford County. K-FIT provides up to five percent (5%) of your purchase price in forgivable down payment and closing cost assistance at zero percent (0%) interest forgiven over ten years. HOMEstead offers between one thousand and ten thousand dollars (1,000-10,000) in assistance forgiven over five years at zero percent (0%) interest.

The NeighborWorks LIFT program serves Crawford County as part of Western Pennsylvania, providing down payment assistance loans with income-based eligibility and a minimum credit score of six hundred twenty (620). The Keystone Advantage Assistance Loan provides up to six thousand dollars (6,000) repaid over ten years at zero percent (0%) interest. Work with a PHFA-approved lender and complete homebuyer counseling to access these programs. Read more

Cumberland County

The Cumberland County Affordable Housing Trust Fund First-Time Homebuyer Program stands out for its innovative 3-to-1 matching structure that rewards savers and multiplies their down payment contributions. For every $1 of personal savings you contribute, the program provides $3 in matching assistance, up to a maximum of $5,000 for lower-income households. The assistance comes as a no-interest, forgivable loan that is fully forgiven after five years of homeownership, with no monthly payments required. Administered by the Redevelopment Authority of Cumberland County, this program removes significant barriers to homeownership for working families ready to build equity and stability through property ownership. Read more

DDauphin County

Dauphin County offers multiple assistance programs to help first-time homebuyers achieve homeownership with substantial support. The Dauphin County First Time Home Buyer Program doubled assistance to $6,000 in April 2024 for income-eligible buyers. Housing Choice Voucher Homeownership Program serves current voucher recipients with up to 15 years of mortgage payment assistance.

Tri County Housing Workshops provide HUD-certified counselor education for Dauphin, Cumberland, and Perry counties. Pennsylvania Housing Finance Agency programs including K-FIT, Keystone Advantage, and Keystone Home Loan are available to Dauphin County residents. Federal mortgage options through FHA, VA, and USDA loans provide additional pathways. Whether you need Dauphin County assistance, voucher homeownership support, housing counseling, statewide PHFA programs, or federal mortgages, Dauphin County offers multiple options for first-time homebuyers. Read more

- Upper Darby Township

Upper Darby Township offers a federally funded First-Time Homebuyer Program that provides up to $6,000 in down payment and closing cost assistance to qualified buyers. The assistance is structured as a forgivable loan with no monthly payments, and the balance is forgiven when you sell or refinance the home. This guide walks you through eligibility requirements, income limits, property standards, and the complete application process so you can determine if you qualify. a href="upper-darby-township.html. Read more

Delaware County

Participants must complete at least 5 hours of homebuyer education and 6 hours of financial counseling to prepare for successful homeownership. If you are a first-time homebuyer in Delaware Countywith household income below 80% of the area median income and the commitment to become a homeowner, this program can provide the financial and educational foundation you need to achieve homeownership. Read more

Elk County

Elk County first-time homebuyers have access to K-FIT, which provides up to 5 percent of your purchase price with zero interest and ten-year forgiveness, and HOMEstead, which offers up to $10,000 at zero interest with five-year forgiveness. Both programs pair with the Keystone Home Loan mortgage to minimize your down payment requirement and monthly debt load. The forgiveness structure means your assistance loan balance decreases year by year as long as you stay in your home as your primary residence. Combined with free homebuyer counseling, these programs make homeownership achievable for working families earning any income level. Read more

Erie County

Saint Martin's Center administers the First Time Homebuyers Project, offering down payment and closing cost grants funded by Erie County's Act 137 Affordable Housing Fund to families earning up to 80 percent of area median income. Grants require no repayment, making them fundamentally different from loan-based programs, and the organization provides personalized HUD-certified counseling to help buyers understand their financial picture and build credit if needed. Free homebuyer education classes and ongoing support prepare first-time buyers for the responsibilities and benefits of homeownership in Erie County. Read more

Fayette County

The Keystone Advantage Assistance Loan offers Fayette County first-time homebuyers up to $8,000 as a zero-interest second mortgage structured over ten years. Unlike forgivable loans that require lengthy ownership periods, Keystone Advantage provides flexibility—you repay the amount borrowed with no interest regardless of when you sell or refinance. Combined with PHFA primary mortgage options like Keystone Home Loan or HFA Preferred, this program removes upfront barriers while keeping long-term debt manageable and transparent. Read more

Forest County

HFA Preferred (Lo MI) is a flexible 30-year fixed-rate mortgage program that accepts buyers with credit scores of 620 or higher, allows down payments as low as 3 to 5 percent, and has no purchase-price limits or first-time homebuyer requirement. The program automatically includes a $500 PHFA Grant that reduces down payment or closing costs at settlement with no repayment required. Forest County buyers can layer HFA Preferred with additional assistance like Keystone Advantage Loans to further reduce upfront costs while keeping monthly payments affordable and predictable. Read more

Franklin County

Keystone Government Loan is PHFA's unrestricted 30-year fixed-rate mortgage offering below-market interest rates with no income limits, no purchase-price limits, and no first-time homebuyer requirement, making it accessible to any Franklin County buyer qualifying on credit and debt-to-income ratio. The program requires as little as 3.5 to 5 percent down and features lower closing costs than traditional lenders through PHFA's in-house servicing. Franklin County buyers can layer Keystone Government with additional assistance programs like Keystone Advantage Assistance Loan to further reduce upfront costs while maintaining maximum flexibility on income and property price. Read more

Fulton County

Keystone Home Loan is PHFA's flagship first-time homebuyer program featuring 30-year fixed-rate mortgages with as little as 3 percent down on conventional loans and 3.5 percent on FHA loans, paired with below-market interest rates and lower closing costs. The program includes income and purchase-price limits calibrated for Fulton County to serve working families earning moderate incomes without requiring six-figure down payments. Buyers can layer Keystone Home Loan with assistance programs like K-FIT or HOMEstead to reduce upfront costs further while maintaining stable, predictable monthly payments. Read more

Greene County

HOMEstead Program provides up to $10,000 as a zero-interest second mortgage with automatic 20-percent annual forgiveness over five years, rewarding long-term homeowners with permanent debt relief simply by staying in the home. NeighborWorks LIFT offers an alternative second mortgage at 2 percent above first mortgage rates, available up to $25,000, with mandatory homebuyer counseling and seven-year support. Greene County buyers choose based on credit score, counseling preference, and timeline: HOMEstead for zero-interest forgiveness, NeighborWorks LIFT for larger amounts and ongoing support. Read more

Huntingdon County

K-FIT provides Huntingdon County first-time homebuyers up to 5 percent of purchase price as a zero-interest second mortgage with automatic forgiveness of 10 percent annually over ten years, and crucially, there is no published dollar cap on assistance. This scaling structure makes K-FIT uniquely valuable for buyers purchasing properties at any price point, from modest starter homes to higher-priced family properties, with assistance automatically increasing with purchase price. Combined with primary mortgages like Keystone Home Loan (3% down) or traditional financing, K-FIT removes down payment barriers while ensuring long-term homeowners benefit from permanent forgiveness. Read more

- Smithfield Township

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

Indiana County

ACCESS provides Indiana County first-time homebuyers and households with disabilities up to $15,000 as a zero-interest second mortgage for down payment and closing costs, with flexible terms including deferment options and zero interest throughout the loan. Beyond downpayment assistance, ACCESS offers separate funding for home accessibility modifications like ramps, grab bars, doorway widening, and bathroom adaptations to ensure homes are livable and safe for buyers with disabilities. Combined with primary mortgages like Keystone Home Loan (3% down) or traditional financing, ACCESS enables Indiana County families with disabilities to achieve homeownership while making their homes fully accessible. Read more

Jefferson County

HFA Preferred (Lo MI) is a flexible 30-year fixed-rate mortgage with below-market interest rates and an automatic $500 PHFA Grant included in every approval at no extra cost or separate application. The program allows down payments as low as 3 to 5 percent, has no purchase-price limits, and offers lower closing costs than traditional lenders through PHFA's in-house servicing. Jefferson County buyers can layer HFA Preferred with additional assistance programs like Keystone Advantage or HOMEstead to maximize total assistance while maintaining flexible, predictable monthly payments. Read more

Juniata County

Purchasing your first home in Juniata County is achievable with the right financial resources and preparation. While Juniata County itself does not offer a dedicated county homebuyer assistance program, qualified first-time buyers can access Pennsylvania Housing Finance Agency (PHFA) programs including the Keystone Forgivable in Ten Years (K-FIT) loan, HOMEstead down payment assistance, and the Keystone Advantage Assistance Loan program.

These state programs provide second mortgages of up to six thousand to ten thousand dollars in down payment and closing cost assistance with zero percent interest and flexible forgiveness terms. Additional federal programs like FHA, VA, and USDA loans are also available to eligible borrowers in the county. By combining a PHFA first mortgage with down payment assistance and completing homebuyer education, you can reduce the upfront cash you need to purchase a home in Juniata County.
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Lackawanna County

The Lackawanna County Homebuyer Program (serving areas outside the City of Scranton) offers one of the most generous assistance packages in the NeighborWorks NEPA network, with a minimum of $7,500 in forgivable, deferred payment loan assistance for qualified first-time homebuyers. This program is uniquely positioned because it uses income limits at 100% of HUD area median income, which is higher than the City of Scranton's thresholds, making it accessible to more moderate-income households.

The program operates on a first-come, first-served basis, so applicants are encouraged to begin the process early to ensure funding availability. Like all NeighborWorks NEPA programs, successful applicants must complete homebuyer education and counseling before receiving approval. The Lackawanna County program is particularly valuable for families in outlying areas of the county who want to own a home but lack sufficient savings for traditional down payment and closing cost requirements. The higher minimum assistance amount reflects the program's commitment to making homeownership achievable for working families throughout the county. Read more

- City of Scranton

The City of Scranton Homebuyer Program is designed to help income-qualified first-time homebuyers achieve homeownership within Scranton's city limits. This program offers a minimum of $5,000 in assistance, with awards up to $20,000 capped at 10% of the home's purchase price. The assistance comes in the form of a forgivable, deferred payment loan, meaning you receive the funds at closing without making monthly payments, and the loan is forgiven if you maintain the home as your primary residence.

To qualify, your household income must not exceed HUD area median income limits, which vary by family size. The program requires all applicants to complete homebuyer education and meet one-on-one with a HUD-certified housing counselor before receiving approval. This program is ideal for Scranton residents who want to build wealth through homeownership while keeping their monthly housing costs manageable. Income limits are updated annually in June, so contacting NeighborWorks NEPA directly ensures you have the most current eligibility thresholds for your household size. Read more

- City of Carbondale

The City of Carbondale Homebuyer Program provides forgivable, deferred payment loan assistance to first-time homebuyers purchasing homes within Carbondale's city limits. This program awards a minimum of $5,000 in assistance, with awards calculated as 10-15% of the home's purchase price, making the benefit scale with the property value. This flexible award structure ensures that buyers purchasing higher-priced homes in Carbondale receive proportionally larger assistance, while those buying more modest properties still receive meaningful support with down payments and closing costs.

Applicants must meet income limits based on HUD area median income guidelines and complete homebuyer education and counseling through NeighborWorks NEPA before approval. The program is well-suited for Carbondale residents who are ready to invest in their community and build long-term wealth through homeownership. Like the Lackawanna County program, Carbondale's applications are processed through NeighborWorks NEPA, making it easy for prospective buyers to explore both programs if they are considering properties in different areas of the region. Read more

Lancaster County

Lancaster County offers multiple assistance programs to help first-time homebuyers achieve homeownership with substantial support. Tenfold Down Payment Assistance Program provides up to $7,000 zero-interest deferred loans, with an additional $10,000 available in Southwest Lancaster area. Lancaster County First Time Homebuyer Loan provides up to $5,000 through NeighborWorks. Lancaster Lebanon Habitat for Humanity offers zero-percent interest mortgages with sweat equity requirements. SoWe Affordable Home Repair Program provides grants and low-interest loans for existing homeowners. Pennsylvania Housing Finance Agency programs including K-FIT, Keystone Advantage, and Keystone Home Loan are available. Federal mortgage options through FHA, VA, and USDA loans provide additional pathways. Whether you need Tenfold assistance, Habitat homes, county programs, statewide PHFA programs, or federal mortgages, Lancaster County offers multiple options for first-time homebuyers Read more

Lawrence County

Lawrence County offers assistance programs to help first-time homebuyers achieve homeownership. The NeighborWorks LIFT program provides up to $10,000 in down payment assistance as a second mortgage with 2 percent interest above your first mortgage rate. Pennsylvania Housing Finance Agency programs including K-FIT, Keystone Advantage, and Keystone Home Loan are available to Lawrence County residents. Federal mortgage options through FHA, VA, and USDA loans provide additional pathways. Whether you need NeighborWorks LIFT assistance, statewide PHFA programs, or federal mortgages, Lawrence County offers multiple options for first-time homebuyers. Read More

Lebanon County

Lebanon County offers assistance programs to help first-time homebuyers achieve homeownership. Pennsylvania Housing Finance Agency programs including K-FIT, Keystone Advantage, and Keystone Home Loan are available to Lebanon County residents. The HOMEstead program provides up to $10,000 in down payment and closing cost assistance. Federal mortgage options through FHA, VA, and USDA loans provide additional pathways. Whether you need PHFA K-FIT assistance, Keystone programs, HOMEstead support, or federal mortgages, Lebanon County offers multiple options for first-time homebuyers. Read more

Lehigh County

Lehigh County offers assistance programs to help first-time homebuyers achieve homeownership. Pennsylvania Housing Finance Agency programs including K-FIT, Keystone Advantage, and Keystone Home Loan are available to Lehigh County residents. The HOMEstead program provides up to $10,000 in down payment and closing cost assistance. Federal mortgage options through FHA, VA, and USDA loans provide additional pathways. Whether you need PHFA K-FIT assistance, Keystone programs, HOMEstead support, or federal mortgages, Lehigh County offers multiple options for first-time homebuyers. Read more

Luzerne County

Luzerne County offers assistance programs to help first-time homebuyers achieve homeownership. The City of Scranton Homebuyer Program provides a minimum of $5,000 in down payment and closing cost assistance for Scranton homebuyers on a first-come, first-served basis. Pennsylvania Housing Finance Agency programs including K-FIT, Keystone Advantage, and Keystone Home Loan are available to Luzerne County residents. The HOMEstead program provides up to $10,000 in down payment and closing cost assistance. Federal mortgage options through FHA, VA, and USDA loans provide additional pathways. Whether you need Scranton assistance, PHFA K-FIT assistance, Keystone programs, or federal mortgages, Luzerne County offers multiple options for first-time homebuyers. Read more

Lycoming County

Lycoming County offers assistance programs to help first-time homebuyers achieve homeownership. The City of Williamsport Homebuyer Assistance Program provides down payment and closing cost assistance for income-eligible Williamsport homebuyers. Pennsylvania Housing Finance Agency programs including K-FIT, Keystone Advantage, and Keystone Home Loan are available to Lycoming County residents. The HOMEstead program provides up to $10,000 in down payment and closing cost assistance. Federal mortgage options through FHA, VA, and USDA loans provide additional pathways. Whether you need Williamsport assistance, PHFA K-FIT assistance, Keystone programs, or federal mortgages, Lycoming County offers multiple options for first-time homebuyers. Read more

-- City of Williamsport

Purchasing a home in Williamsport is made more accessible through the City's Home Buyer Assistance GAP Financing Program, which provides up to 20% of the purchase price as a zero-interest, deferred repayment loan. Administered by the Community & Economic Development Office and funded with federal HOME Investment Partnerships Program funds, the program is designed to help income-eligible households become homeowners by bridging the financial gap between their savings and the down payment required by lenders.

The deferred repayment structure means you do not make monthly payments on the assistance while living in the home, keeping your housing costs as low as possible. If you are an income-eligible resident of Williamsport ready to purchase a home in the city, this program can provide the substantial financial support needed to make homeownership possible. Read more

McKean County

McKean County offers assistance programs to help first-time homebuyers achieve homeownership. The NeighborWorks LIFT program provides up to $10,000 in down payment assistance as a second mortgage with 2 percent interest above your first mortgage rate. Pennsylvania Housing Finance Agency programs including K-FIT, Keystone Advantage, and Keystone Home Loan are available to McKean County residents. Federal mortgage options through FHA, VA, and USDA loans provide additional pathways. Whether you need NeighborWorks LIFT assistance, statewide PHFA programs, or federal mortgages, McKean County offers multiple options for first-time homebuyers in one of Pennsylvania's most affordable counties. Read more

Mercer County

Mercer County offers assistance programs to help first-time homebuyers achieve homeownership. The NeighborWorks LIFT program provides up to $10,000 in down payment assistance as a second mortgage with 2 percent interest above your first mortgage rate. Pennsylvania Housing Finance Agency programs including K-FIT, Keystone Advantage, and Keystone Home Loan are available to Mercer County residents. Federal mortgage options through FHA, VA, and USDA loans provide additional pathways. Whether you need NeighborWorks LIFT assistance, statewide PHFA programs, or federal mortgages, Mercer County offers multiple options for first-time homebuyers. Read more

Mifflin County

Mifflin County offers assistance programs to help first-time homebuyers achieve homeownership. Pennsylvania Housing Finance Agency programs including K-FIT, Keystone Advantage, and Keystone Home Loan are available to Mifflin County residents. The HOMEstead program provides up to $10,000 in down payment and closing cost assistance. Federal mortgage options through FHA, VA, and USDA loans provide additional pathways. Whether you need PHFA K-FIT assistance, Keystone programs, HOMEstead support, or federal mortgages, Mifflin County offers multiple options for first-time homebuyers. Read more

Monroe County

The Monroe County Homebuyer Program extends forgivable, deferred payment loan assistance to qualified first-time homebuyers purchasing property anywhere within Monroe County. This program awards a minimum of $5,000 in down payment and closing cost assistance to approved applicants whose income falls at or below HUD area median income guidelines. Because Monroe County operates on a first-come, first-served basis, early application is critical to secure available funding. Like all NeighborWorks NEPA programs, applicants must complete homebuyer education and attend a counseling session with a HUD-certified housing counselor to determine eligibility and receive approval.

The program is designed for moderate-income families who have struggled to save enough for a down payment or closing costs but are otherwise ready to purchase a home. Monroe County's broader service area and more flexible income thresholds make this program accessible to a wide range of buyers in the region. Contact NeighborWorks NEPA at (570) 558-2490 to confirm current income limits and learn about available funding. Read more

Montgomery County

Buying a first home in Montgomery County is an achievable goal with the right financial support. The Montgomery County First-Time Home Buyer Program, administered by the Department of Housing and Community Development, provides up to $10,000 in zero-interest assistance for down payments and closing costs. This program is designed for working families whose income falls below area median income levels and who lack sufficient savings for traditional down payment requirements. If you are employed or reside in Montgomery County and meet the program's eligibility criteria, you may qualify for financial assistance that makes homeownership possible. Read more

Montour County

Buying your first home in Montour County is achievable through Pennsylvania state programs and assistance from approved housing counselors. The Pennsylvania Housing Finance Agency programs K-FIT and HOMEstead are available to qualified buyers in Montour County. K-FIT provides up to five percent (5%) of your purchase price in forgivable down payment and closing cost assistance at zero percent (0%) interest forgiven over ten years. HOMEstad offers between one thousand and ten thousand dollars (1,000-10,000) in assistance forgiven over five years at zero percent (0%) interest. The Keystone Advantage Assistance Loan provides up to six thousand dollars (6,000) repaid over ten years at zero percent (0%) interest. Work with a PHFA-approved lender and complete homebuyer education through an HUD-approved counselor to access these programs and maximize your down payment assistance opportunities.
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Northampton County

Northampton County offers multiple assistance programs to help first-time homebuyers achieve homeownership with substantial support. The Northampton County First-Time Homebuyer Program provides up to $10,000 in down payment and closing cost assistance that is forgiven after five years. The City of Bethlehem offers additional assistance up to 10 percent of purchase price through its Homebuyer Assistance Program. Community Action Lehigh Valley provides HUD-certified homebuyer education seminars including sessions in Spanish. Pennsylvania Housing Finance Agency programs including K-FIT, Keystone Advantage, and federal mortgage options through FHA, VA, and USDA provide additional pathways. Whether you need county assistance, city programs, homebuyer education, or statewide programs, Northampton County offers multiple options for first-time homebuyers. Read more

Northumberland County

Northumberland County stands out as one of Pennsylvania's most affordable places to buy your first home. Pennsylvania Housing Finance Agency programs including K-FIT, Keystone Advantage, and Keystone Home Loan are available to all Northumberland County residents. The HOMEstead program provides up to $10,000 in down payment and closing cost assistance on homes built after 1978. Federal mortgage options through FHA, VA, and USDA loans provide additional pathways with favorable terms. Whether you need K-FIT's unlimited assistance, fixed Keystone programs, or federal mortgages, Northumberland County's affordability combined with multiple assistance options creates an exceptional opportunity for first-time homebuyers. Read more

Perry County

Perry County offers assistance programs to help first-time homebuyers achieve homeownership. The Tri County Housing Workshops provide eight-hour homebuyer education courses led by HUD-certified counselors serving Perry, Dauphin, and Cumberland counties. Pennsylvania Housing Finance Agency programs including K-FIT, Keystone Advantage, and Keystone Home Loan are available to Perry County residents. The HOMEstead program provides up to $10,000 in down payment and closing cost assistance. Federal mortgage options through FHA, VA, and USDA loans provide additional pathways. Whether you need Tri County workshops, PHFA programs, or federal mortgages, Perry County offers multiple options for first-time homebuyers. Read more

Philadelphia County

The City of Philadelphia's Philly First Home Program stands out as one of Pennsylvania's most generous homebuyer assistance programs, providing up to $10,000 in grant assistance to income-qualified first-time homebuyers. Unlike loan-based programs that require repayment, Philly First Home offers true grants that do not need to be repaid as long as you maintain the home as your primary residence.

Combined with mandatory free homebuyer counseling that prepares you for successful homeownership, the program removes both financial and educational barriers for working families. With income limits up to 100% of area median income, the program is accessible to a broad range of Philadelphia working families earning modest to moderate incomes. Qualifying Philadelphia residents can transform their homeownership dreams into reality through this comprehensive program that combines substantial financial assistance with expert guidance. Read more

Pike County

Buying your first home in Pike County is achievable with the new county homebuyer program and state resources. The Pike County First-Time Homebuyer Program provides up to fifty percent (50%) of your down payment to help with purchase and closing costs. The loan is forgiven at twenty percent (20%) per year over five years if you stay in your home. You must have household income at or below eighty percent (80%) of area median income and complete eight hours of housing counseling through NeighborWorks of Northeastern Pennsylvania. You can combine Pike County assistance with Pennsylvania Housing Finance Agency programs like K-FIT and HOMEstead to maximize your down payment help. Read more

Potter County

Potter County does not offer a dedicated county homebuyer assistance program, but you have access to strong state and federal resources. The Pennsylvania Housing Finance Agency provides the Keystone Forgivable in Ten Years (K-FIT) loan, which offers five percent (5%) of your purchase price in down payment and closing cost assistance with zero percent (0%) interest. HOMEstead provides up to ten thousand dollars (10,000) in assistance forgiven over five years. Potter County is eligible for USDA Rural Development loans, which allow qualified buyers to purchase a home with zero down payment in designated rural areas. Complete homebuyer education and work with a PHFA-approved lender to access these programs. Read more

Schuylkill County

First-time homebuyers in Schuylkill County can access free housing counseling and mortgage assistance through Schuylkill Community Action and state programs. Schuylkill Community Action offers a Closing Cost Assistance Program (CCAP) and pre-closing counseling to help you prepare for homeownership. The Pennsylvania Housing Finance Agency programs K-FIT and HOMEstead are available to eligible buyers in Schuylkill County. K-FIT provides up to five percent (5%) of your purchase price in forgivable assistance. HOMEstead offers between one thousand and ten thousand dollars (1,000-10,000) in assistance forgiven at twenty percent (20%) annually over five years. Contact Schuylkill Community Action at (570) 622-1995 for free counseling and program information. Read more

Snyder County

Snyder County does not offer a dedicated county homebuyer assistance program, but qualified buyers can access Pennsylvania Housing Finance Agency programs and USDA Rural Development loans. All of Snyder County is eligible for USDA loans, which allow zero down payment financing for homebuyers in rural areas who meet income requirements. The Keystone Forgivable in Ten Years (K-FIT) program provides five percent (5%) of your purchase price in down payment and closing cost assistance with zero percent (0%) interest forgiven annually over ten years. HOMEstead provides up to ten thousand dollars (10,000) with zero percent (0%) interest forgiven over five years. Work with a participating PHFA lender and complete homebuyer education to access these programs. Read more

Somerset County

Somerset County does not offer a dedicated county homebuyer assistance program, but you can access Pennsylvania state programs and USDA Rural Development loans. Somerset County is eligible for USDA loans, which offer zero down payment financing to qualified buyers in rural areas. The Keystone Forgivable in Ten Years (K-FIT) program provides up to five percent (5%) of your purchase price or appraisal in down payment and closing cost assistance with zero percent (0%) interest. HOMEstead provides between one thousand and ten thousand dollars (1,000-10,000) in assistance forgiven over five years. The Keystone Advantage Assistance Loan offers up to six thousand dollars (6,000) repaid over ten years at zero percent (0%) interest. Complete homebuyer education and apply through a participating PHFA lender. Read more

Sullivan County

Sullivan County does not offer a dedicated county homebuyer assistance program, but qualified buyers can access Pennsylvania Housing Finance Agency programs and USDA Rural Development financing. Sullivan County is eligible for USDA loans, which allow zero down payment purchases for eligible homebuyers in rural areas. The Keystone Forgivable in Ten Years (K-FIT) provides five percent (5%) of your purchase price in forgivable down payment and closing cost assistance at zero percent (0%) interest. HOMEstead offers between one thousand and ten thousand dollars (1,000-10,000) forgiven over five years. The Keystone Advantage Assistance Loan provides up to six thousand dollars (6,000) repaid monthly over ten years at zero percent (0%) interest. Work with a PHFA-approved lender and complete homebuyer counseling. Read more

Susquehanna County

Susquehanna County offers a Homeownership Program available to first-time homebuyers, provided in partnership with state agencies. This program helps low- to moderate-income households purchase homes with financial assistance. You also have access to Pennsylvania Housing Finance Agency programs including K-FIT, which offers five percent (5%) of your purchase price in forgivable down payment and closing cost assistance, and HOMEstand, which provides up to ten thousand dollars (10,000) forgiven over five years. Susquehanna County is eligible for USDA Rural Development loans with zero down payment requirements for qualified buyers. Complete homebuyer education and work with a participating lender to maximize your assistance options. Read more

Tioga County

Tioga County does not offer a dedicated county homebuyer assistance program, but you can access Pennsylvania state assistance programs and USDA Rural Development loans. Tioga County is eligible for USDA loans, which provide zero down payment financing to qualified buyers in rural areas. The Keystone Forgivable in Ten Years (K-FIT) program offers five percent (5%) of your purchase price in down payment and closing cost assistance with zero percent (0%) interest forgiven over ten years. HOMEstead provides between one thousand and ten thousand dollars (1,000-10,000) forgiven at twenty percent (20%) annually over five years. The Keystone Advantage Assistance Loan offers up to six thousand dollars (6,000) repaid over ten years at zero percent (0%) interest. Work with a PHFA-approved lender and complete homebuyer education.
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Union County

Union County offers multiple assistance programs to help first-time homebuyers achieve homeownership. The Union County Affordable Housing Fund provides up to $10,000 in no-interest, no-payment assistance for down payments and closing costs. First Front Door program through FHLBank Pittsburgh provides up to $15,000 in grant assistance to qualifying homebuyers. Pennsylvania Housing Finance Agency programs including K-FIT, Keystone Advantage, and Keystone Home Loan are available to Union County residents. Federal mortgage options through FHA, VA, and USDA loans provide additional pathways. Whether you need local Union County assistance, federal grant programs, statewide PHFA programs, or federal mortgages, Union County offers multiple options for first-time homebuyers. Read more

Venango County

Venango County offers multiple assistance programs to help first-time homebuyers achieve homeownership. The Venango County First Time Home Buyer Program provides up to $5,000 or 10 percent of purchase price in down payment and closing cost assistance. The NeighborWorks LIFT program, available across 23 western Pennsylvania counties including Venango, provides up to $10,000 in down payment assistance as a second mortgage with 2 percent interest above your first mortgage rate.

Pennsylvania Housing Finance Agency programs including K-FIT, Keystone Advantage, and Keystone Home Loan are available to Venango County residents. Federal mortgage options through FHA, VA, and USDA loans provide additional pathways. Whether you need county assistance, regional down payment programs, statewide PHFA programs, or federal mortgages, Venango County offers multiple options for first-time homebuyers in one of Pennsylvania's most affordable counties. Read more

Washington County

Washington County offers multiple assistance programs to help first-time homebuyers achieve homeownership with substantial support. The Redevelopment Authority of the County of Washington administers two separate loans providing down payment assistance and home rehabilitation funding for eligible first-time homebuyers. NeighborWorks LIFT program available across 23 western Pennsylvania counties including Washington provides up to $10,000 in down payment assistance as a second mortgage with 2 percent interest above your first mortgage rate. Pennsylvania Housing Finance Agency programs including K-FIT, Keystone Advantage, and Keystone Home Loan are available to Washington County residents. Federal mortgage options through FHA, VA, and USDA loans provide additional pathways. Whether you need RACW down payment and rehabilitation assistance, regional down payment programs, statewide PHFA programs, or federal mortgages, Washington County offers multiple options for first-time homebuyers. Read more

Wayne County

Wayne County's local residency-based first-time homebuyer assistance program rewards residents who have lived in the county for 30 months with down payment and closing cost support designed specifically for community members committed to homeownership in Wayne County. Unlike statewide PHFA programs serving all Pennsylvania, Wayne County's program emphasizes local commitment and community investment through its residency requirement. Wayne County buyers can layer this local assistance with state PHFA programs like K-FIT, HOMEstead, or Keystone Advantage to maximize total assistance and achieve homeownership with confidence. Read more

Westmoreland County

Ready to buy your first home in Westmoreland County but worried about the cost of down payments and closing fees? You have options. From county-specific programs to state assistance and federal initiatives, Westmoreland County provides pathways for low to moderate income families to purchase a home. Learn which programs you qualify for and how much help you can receive.
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Wyoming

Wyoming County offers down payment and closing cost assistance programs to help first-time homebuyers achieve homeownership. The Trehab Community Action Partnership Homeownership Program serves Wyoming County along with Bradford and Susquehanna counties, providing down payment and closing cost assistance through collaboration with local, state, and federal mortgage providers. In addition to the Trehab program, Wyoming County homebuyers have access to multiple Pennsylvania Housing Finance Agency programs including K-FIT, Keystone Advantage, HOMEstead, and federal mortgage options through FHA, VA, and USDA. Whether you need local assistance through Trehab or prefer state and federal mortgage programs, Wyoming County offers multiple pathways to affordable homeownership. Read more

York County

York County offers multiple assistance programs to help first-time homebuyers achieve homeownership. The York County Homebuyer Assistance Program provides up to $10,000 in down payment and closing cost assistance. The York City program through Tenfold serves homebuyers purchasing in York City. The Section 8 Homeownership Program serves current voucher holders with mortgage payment assistance. NeighborWorks LIFT, PHFA programs including K-FIT and Keystone Advantage, and federal mortgages through FHA, VA, and USDA are also available. Whether you need county assistance, city programs, Section 8 support, or statewide and federal options, York County offers multiple pathways to homeownership. RRead more