First Front Door (FFD)

First Front Door (FFD) is a grant for homebuyers in Delaware, administered by FHLBank Pittsburgh (Federal Home Loan Bank of Pittsburgh). First Front Door (FFD) is a homebuyer grant from FHLBank Pittsburgh offered through its member financial institutions in Delaware, Pennsylvania and West Virginia. First-time homebuyers at or below 80% AMI who contribute at least $1,500 of their own funds can receive up to $15,000 toward down payment and closing costs. The grant carries a 5-year retention period secured by a deed restriction, with prorated recapture on early sale or refinance. Up to $15,000 toward down payment and closing costs. No monthly payments. Forgiven after 5 years of ownership. Can be combined with other assistance. Works with FHA, VA, USDA and conventional first mortgages. Funding comes from FHLBank Pittsburgh member-funded voluntary housing grant program (Affordable Housing Program set-aside).

First Front Door (FFD) offers up to $15,000 in assistance. Award tiers: Two products: First Front Door (FFD, ≤80% AMI) and First Front Door Keys (≤120% AMI, first-generation first-time homebuyers). Homebuyer contribution: Homebuyer must contribute a minimum of $1,500 in personal funds toward down payment and closing costs. The program can be combined with Can be layered with other down payment / closing-cost assistance programs subject to member and program rules. Amounts are the program's published maximums, not an offer — FHLBank Pittsburgh (Federal Home Loan Bank of Pittsburgh) determines any individual award.

First Front Door (FFD) is structured as a grant, so it is not repaid. Repayment is triggered by Repayment of a prorated portion of the grant is required if the home is sold or refinanced within the 5-year retention period; the obligation is secured by a Real Estate Retention Agreement (deed restriction). Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

First Front Door (FFD) is open to first-time homebuyers and homebuyers who will live in the home as their primary residence. "First-time" has exceptions here: First-time homebuyer = has not owned an eligible property used as a primary residence in the last three years. If purchasing jointly, at least one buyer must meet the three-year test. Also includes a person who previously owned jointly and is now buying independently, and owners of an investment property they have not lived in. On credit, the program states: Not set by FFD; determined by the participating member's first-mortgage underwriting. A homebuyer education course is required, through At least 4 hours of homeownership counseling (including predatory lending) prior to purchase, through a HUD-approved or FHLBank-approved counseling agency; online options include eHome America, Framework, Fannie Mae HomeView, Freddie Mac CreditSmart, and PHFA online counseling. Available only through participating FHLBank Pittsburgh members. Lien position, max purchase price, credit score and DTI are set by the member's first-mortgage underwriting and were not specified on the FFD program page (left null). Funds are limited and awarded first-come, first-served during an annual round.

First Front Door (FFD) limits household income to 80% of the area median income, which varies by county and household size. Household income must be at or below 80% of the area median income (AMI) at the time of registration, as published by HUD for the property location/household size. The limit applies to total household income, not only the borrower’s. Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

First Front Door (FFD) can be used for Single Family, Condo, and Townhouse.

First Front Door (FFD) serves homebuyers purchasing anywhere in Delaware.

Applications for First Front Door (FFD) go through FHLBank Pittsburgh (Federal Home Loan Bank of Pittsburgh), which publishes the current terms and the application steps on its own site. Funds are reserved through Members submit reservation requests during an annual open funding round; FHLBank processes/approves completed reservations within 10 business days on a first-come, first-served basis until funds are exhausted. 2026 round opens May 19, 9 a.m. Eastern. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.