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PNC Bank Home Loan Grant

PNC Bank, N.A. · Maryland

Last verified
See what you qualify forOfficial program site →
Assistance

$5,000

The maximum the program publishes — not an offer

Income limit

80% AMI

Of area median income; varies by county and household size

Repayment

Grant

Not repaid

What is PNC Bank Home Loan Grant?

PNC Bank Home Loan Grant is a grant for homebuyers in Maryland, administered by PNC Bank, N.A.

  • PNC's tiered home loan grants - Low-Income ($2,500), Low-to-Moderate-Income Borrower ($3,000), and PNC Grant ($5,000) - for borrowers buying a primary residence in an LMI census tract within a PNC CRA assessment area. Funds for points, down payment, closing costs, or escrow; no repayment. MD assessment areas cover Baltimore, DC suburbs, and Frederick-Gaithersburg-Rockville.
  • Up to $5,000 grant, no repayment.
  • Flexible use.
  • Tiered options.
  • MD assessment areas (Baltimore, DC suburbs, Frederick).
  • Funding comes from PNC Bank, N.A. (lender-funded grants).

How much assistance does it provide?

PNC Bank Home Loan Grant offers up to $5,000 in assistance.

  • Award tiers: Low-Income Grant up to $2,500; Low-to-Moderate-Income Borrower Grant up to $3,000; PNC Grant up to $5,000.
  • Amounts are the program's published maximums, not an offer — PNC Bank, N.A. determines any individual award.

Do you have to pay it back?

PNC Bank Home Loan Grant is structured as a grant, so it is not repaid.

  • Repayment is triggered by None - grant, no repayment.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

PNC Bank Home Loan Grant is open to buyers who will live in the home as their primary residence.

The program requires

  • The home is occupied as a primary residence
  • DRAFT (dpa-gap-finder 2026-06-12): pending review. Lender-specific (PNC mortgage). Property must be in LMI tract within PNC CRA assessment area; max amount varies by location. UNCONFIRMED: min credit score, homebuyer-education, exact tracts, provider phone. A separate SPCP up to $10,000 cited in secondary sources, not on the reviewed page.

The program excludes

  • Households above 80% of area median income

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

PNC Bank Home Loan Grant limits household income to 80% of the area median income, which varies by county and household size.

  • Generally <= 80% AMI by property location; eligibility/amount vary by location.
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

PNC Bank Home Loan Grant can be used for Single Family, Condo, and Townhouse.

Where does it apply?

PNC Bank Home Loan Grant serves buyers purchasing anywhere in Maryland.

  • The program targets specific areas: Property in an LMI census tract within a PNC CRA assessment area. MD assessment areas: Baltimore-Columbia-Towson, Washington-Arlington-Alexandria, Frederick-Gaithersburg-Rockville.

How do you apply?

Applications for PNC Bank Home Loan Grant go through PNC Bank, N.A., which publishes the current terms and the application steps on its own site.

  1. Contact PNC Bank, N.A. to reserve funds

    Funds are reserved with the provider and are subject to availability.

  2. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

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