Blinking arrow Please Share


Closing cost calculator

Dauphin County First Time Home Buyer Program

Nice house with sold signThe Dauphin County first time home buyer program provides down payment and or closing cost assistance to eligible first time home buyers up to a maximum of $3,000. The assistance program is a no interest, no monthly payment 2nd mortgage

Repayment of loan

Repayment of the second mortgage is required upon homeowner's resale of the home. Upon this sale, the original principle amount of the loan is due and payable in full. If the homeowner refinances, the original Dauphin County mortgage may be subordinated to the new first mortgage.

Income limits:

Household income cannot exceed 80% the median income of Dauphin County based on family size (i.e. 2, 3, 4 occupants of the home). See income limit chart

First time home buyer requirement

The applicant must be a first-time home buyer or not have owned a home within the last three years.

Buyer contribution

The home buyer must contribute a minimum of 3% of the lesser of the purchase price or the appraised value or $1,000. (whichever is less) from the applicant's assets.

Asset limitation

At the time of settlement, the buyer's liquid assets may not exceed the total of $5,000.00.

Maximum price - $166,250

Additional Requirements:

The applicant must need the second or subordinated mortgage in order to afford the house, but also must require assistance, which does not exceed the maximum second or subordinated mortgage amount of $3,000 other than through PHFA's Closing Cost Assistance Program.

The applicant must complete the home buyers workshop.

Pennsylvania Housing Finance Agency (PHFA)

The State of Pennsylvania (PHFA) offers home loan funding for first time home buyers and non-first time home buyers, including down payment and/or closing cost assistance up to $6,000. The PHFA programs can be used with the Dauphin County assistance program. Read more
Last updated 8/2020

Credit Counseling & First Time Home Buyer Classes in Dauphin County PA