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

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

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Philadelphia Division of Housing & Community Development (DHCD)PAFirst-Time Homeowner

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.City funded grant that provides up front assistance for down payment and closing costs to eligible first time homebuyers purchasing in Philadelphia.RollingDeadline: Scope: City (Philadelphia, Pennsylvania)state

Updated: Dec 6, 2025

Summary

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

Benefits

down payment assistanceclosing cost assistancegrantcity programfirst-time buyer programhomebuyer education required

Who Can Apply

homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerPhiladelphia homebuyerPennsylvania homebuyer

Eligible Locations

First time homebuyers who have not owned a home in the past three years and are purchasing an eligible single family home or duplex within the City of Philadelphia, meet income and residency requirements, complete city funded homeownership counseling, and use an approved mortgage lender.

Eligibility

First-time homebuyers (no ownership in last 3 years), purchase in Philadelphia (single-family or duplex), complete city-funded homeownership counseling, meet income limits.

Full Description

The “Philly First Home” program offers eligible first-time buyers in Philadelphia up to $10,000 (or 6% of the purchase price) in grant assistance for down payment and closing costs. Applicants must complete a mandatory housing counseling program before signing the agreement of sale, meet residency, income and occupation requirements, and commit to a set occupancy period (e.g., 15 years lien forgiveness schedule).

Verification & Details

Status: Open

Source: phila.gov

Official source → phila.gov

Apply on official siteUpdated Dec 6, 2025

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Explore additional grants available throughout Pennsylvania that complement this opportunity.

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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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Updated: Dec 6, 2025

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Homebuyers Start Here – Pennsylvania Housing Finance Agency (PHFA)

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Homebuyer Assistance Program – PA Homebuyer Assistance Center

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

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