Pennsylvania • First-Time Homeowner programs

First-Time Homeowner grants in Pennsylvania

Browse first-time homeowner grants available in Pennsylvania, including statewide and local programs.

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9 active programs in Pennsylvania

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Grants/Down Payment Assistance – AHCOPA

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Affordable Housing Centers of Pennsylvania (AHCOPA)PAFirst-Time HomeownerNonprofit administered grant programs that provide down payment and closing cost assistance, typically structured as forgivable or non repayable subsidies paired with required counseling and approved lender participation.

Updated: Dec 6, 2025

Non-profit organization listing multiple down payment assistance grants and programs for first-time homebuyers in various PA regions. Program amounts, eligibility, and availability vary across city/county, nonprofit, employer, seller, and lender-based sources.

Eligible for: First-time homebuyers, must complete homebuyer education/counseling, eligibility and amounts vary by program and region in PA

Funding: Highlights grant based assistance that can reach up to about 15000 dollars in programs such as NeighborhoodLIFT and similar offerings to help cover down payment and closing costs, with exact amounts depending on the specific grant and local funding at the time of application.Deadline: rolling / until funds exhaustedRollingNonprofit service area (Pennsylvania, with emphasis on the Philadelphia region)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerPennsylvania homebuyerPhiladelphia homebuyerdown payment assistanceclosing cost assistancegrantforgivable assistancenonprofit housing counselinghomebuyer education requiredlayered assistance

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First-Time Homebuyers Program – Montgomery County PA

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Montgomery County Department of Housing & Community DevelopmentPAFirst-Time HomeownerCounty administered zero interest subordinate loan that provides down payment and closing cost assistance to eligible first time buyers purchasing in Montgomery County.

Updated: Dec 6, 2025

County-level homebuyer assistance providing meaningful support toward upfront purchase costs for eligible first-time buyers.

Eligible for: First-time homebuyers (or not owned a home in last 3 years), income below area median, purchaser must live/work in county, complete counseli…

Funding: Offers assistance up to 10000 dollars or up to 10 percent of the home sale price, whichever is less, structured as a zero interest loan that may be forgiven or become repayable if the home is sold, refinanced, or transferred before the required affordability period.Deadline: Rolling / first-come, funding limited RollingCounty (Montgomery County, Pennsylvania)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerMontgomery County homebuyerPennsylvania homebuyerdown payment assistanceclosing cost assistancezero interest loancounty programfirst-time buyer programhomebuyer education required

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Homebuyer Assistance Program – Pennsylvania Home Grant Center

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Pennsylvania Homebuyer Assistance CenterPAFirst-Time HomeownerOnline resource hub that aggregates and explains multiple Pennsylvania down payment and closing cost assistance programs rather than issuing assistance directly.

Updated: Dec 6, 2025

A centralized resource hub listing multiple down payment and closing cost assistance options for Pennsylvania first-time homebuyers including match grants, forgivable second-mortgage loans, employer-assisted housing programs.

Eligible for: First-time homebuyers in Pennsylvania, income/purchase-price limits apply, must complete homebuyer education and use approved lenders.

Funding: Highlights common assistance levels across featured programs, such as up to 5000 dollars in matching funds through First Front Door, up to 10000 dollars in no interest down payment and closing cost assistance through HOMEstead, and up to 8000 dollars or more through employer assisted housing and local grants, with exact amounts and terms determined by each program.Deadline: Rolling / funding limitedRollingStatewide (Pennsylvania)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerPennsylvania homebuyerdown payment assistanceclosing cost assistancematch grantforgivable loansecond mortgageprogram directoryhomebuyer education required

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Homebuyers Start Here – Pennsylvania Housing Finance Agency (PHFA)

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Pennsylvania Housing Finance Agency (PHFA)PAFirst-Time HomeownerState housing finance agency program that offers 30 year fixed rate mortgages paired with down payment and closing cost assistance delivered as zero interest or forgivable second mortgages.

Updated: Dec 6, 2025

Statewide agency providing a suite of mortgage, down payment assistance and closing cost aid programs for Pennsylvania homebuyers.

Eligible for: Eligible homebuyers across Pennsylvania, must meet credit/income/purchase-price criteria, complete counseling if credit < 680.

Funding: Provides down payment and closing cost assistance typically up to about 6000 dollars through programs such as Keystone Advantage or other PHFA second mortgage options, with some sub programs offering higher amounts or different structures depending on funding source.Deadline: Rolling / funds availableRollingStatewide (Pennsylvania)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerPennsylvania homebuyerdown payment assistanceclosing cost assistancesecond mortgageforgivable loanstate housing finance agencylow interest mortgagehomebuyer education required

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Pennsylvania First-Time Homebuyer Assistance Programs – FHA.com overview

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Federal Housing AuthorityPAFirst-Time HomeownerConsumer information page that summarizes and compares multiple Pennsylvania first time homebuyer assistance programs rather than providing funds directly.

Updated: Dec 6, 2025

Marketplace overview listing key assistance programs for Pennsylvania first-time buyers including down payment/closing cost grants and low-interest mortgage options.

Eligible for: First-time homebuyers in Pennsylvania, must meet program’s criteria (income, credit, purchase-price, location), variety of statewide loan/as…

Funding: Describes typical benefit ranges for Pennsylvania programs, such as grants or second mortgages that may cover a few thousand dollars of down payment or up to around five percent of the purchase price, with exact assistance set by the underlying state or local program rather than FHA.com.Deadline: Rolling / based on programRollingStatewide (Pennsylvania)homebuyerfirst-time homebuyerPennsylvania homebuyerdown payment assistanceclosing cost assistanceinformation hubprogram comparisonstate programsfirst-time buyer resources

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Homebuyer Assistance Program – PA Homebuyer Assistance Center

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Pennsylvania Homebuyer Assistance CenterPAFirst-Time HomeownerOnline intake and referral platform that screens Pennsylvania buyers and connects them to suitable down payment, closing cost, and related assistance programs across the state.

Updated: Dec 6, 2025

A comprehensive directory and access point to multiple homebuyer assistance and grant programs across Pennsylvania, including down payment & closing cost help.

Eligible for: First-time homebuyers (or as defined per local program), income/purchase price/credit requirements apply in Pennsylvania

Funding: Assistance amounts vary by underlying program and may include several thousand dollars in down payment or closing cost support, forgivable or deferred second mortgages, and local grant funds, with specific dollar amounts determined once a buyer is matched to a particular program.Deadline: Rolling / funding dependent RollingStatewide (Pennsylvania)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerPennsylvania homebuyerdown payment assistanceclosing cost assistanceprogram directoryintake and referralstate programshomebuyer education support

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Purchase Assistance Programs – Pennsylvania Housing Finance Agency (PHFA)

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Pennsylvania Housing Finance Agency (PHFA)PAFirst-Time HomeownerState housing finance agency purchase assistance delivered as small grants and zero interest or forgivable second mortgages that must be paired with a PHFA first mortgage.

Updated: Dec 6, 2025

Statewide down payment and closing cost assistance and low-interest mortgage programs for Pennsylvania homebuyers.

Eligible for: Buyers using PHFA mortgage programs, meet credit/income/purchase-price limits; some programs require first-time status or targeted area purc…

Funding: Describes several assistance options including a PHFA grant of up to about 500 dollars for Own Up participants, Keystone Advantage Assistance loans up to 4 percent of the purchase price or 6000 dollars, and K FIT assistance of up to 5 percent of the purchase price that may be forgiven over time, with specific benefit level depending on the chosen program and loan type.Deadline: Rolling / availability varies by program RollingStatewide (Pennsylvania)homebuyerfirst-time homebuyerrepeat homebuyerlow-income homebuyermoderate-income homebuyerPennsylvania homebuyerdown payment assistanceclosing cost assistancegrantsecond mortgageforgivable loanstate housing finance agencyhomebuyer education required

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Grants/Down Payment Assistance – AHCOPA

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Affordable Housing Centers of Pennsylvania (AHCOPA)PAFirst-Time HomeownerNonprofit administered portfolio of down payment and closing cost grants that can be layered with other resources and are tied to housing counseling and credit readiness services.

Updated: Dec 6, 2025

Non-profit housing counseling agency providing access to multiple down payment/closing cost assistance grants for eligible Pennsylvania homebuyers.

Eligible for: First-time homebuyers (or homeowners returning after 3 years), income eligibility, completing homebuyer education via AHCOPA.

Funding: Features grant programs such as NeighborhoodLIFT that can provide up to about 15000 dollars in down payment and closing cost assistance, along with other grants and savings match programs that may be combined to reduce the upfront cash needed to purchase.Deadline: Rolling / until funds exhaustedRollingNonprofit service area (Pennsylvania, with emphasis on Philadelphia and surrounding counties)homebuyerfirst-time homebuyerreturning homebuyerlow-income homebuyermoderate-income homebuyerPennsylvania homebuyerPhiladelphia homebuyerdown payment assistanceclosing cost assistancegrantforgivable assistancelayered fundingnonprofit housing counselinghomebuyer education required

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Buy Your First Home – City of Philadelphia (“Philly First Home”)

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Philadelphia Division of Housing & Community Development (DHCD)PAFirst-Time HomeownerCity funded grant that provides up front assistance for down payment and closing costs to eligible first time homebuyers purchasing in Philadelphia.

Updated: Dec 6, 2025

Municipal program offering meaningful aid to first-time buyers in Philadelphia to reduce upfront costs and support stable homeownership.

Eligible for: First-time homebuyers (no ownership in last 3 years), purchase in Philadelphia (single-family or duplex), complete city-funded homeownership…

Funding: Provides grant assistance up to 10000 dollars or up to 6 percent of the purchase price, whichever is less, applied toward down payment and closing costs to reduce the cash needed to buy a home in Philadelphia.Deadline: Rolling / until funds exhaustedRollingCity (Philadelphia, Pennsylvania)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerPhiladelphia homebuyerPennsylvania homebuyerdown payment assistanceclosing cost assistancegrantcity programfirst-time buyer programhomebuyer education required

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