Down payment assistance · Pennsylvania

Buying a home in Pennsylvania

92 programs: 5 statewide, the rest run by counties and 17 cities. What you can use depends on where the home is.92 programs across Pennsylvania: 5 statewide, the rest run by counties and 17 cities. What you can use depends on where the home is.

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Start with your county

Local help, prices and income limits differ county to county

County	Local programs	Median home value	Area median income (4 people)	Link
Philadelphia	8	$243,100	$122,700	See Philadelphia
Allegheny	7	$227,600	$110,400	See Allegheny
Montgomery	6	$436,700	$122,700	See Montgomery
Centre	4	$323,500	$118,300	See Centre
All 67 counties

Home values: Census ACS 2024 5-year. Income: HUD FY2026. Programs: Hey Prescott, verified July–August 2026.

Anywhere in Pennsylvania

5 statewide programs

Up to $15,000

First Front Door (FFD)

Assistance grant · Forgiven over 5 yrs · Income limits · First-time

See details

Up to $6,000

Keystone Advantage Assistance Loan Program

Second mortgage · Income limits

See details

Up to $500

PHFA Grant ($500)

Assistance grant · Income limits

See details

Plus 62 nationwide programs. See them See nationwide programs

Free help from a person

91 HUD-approved counseling agencies in Pennsylvania91 HUD-approved housing counseling agencies in Pennsylvania

All 5 statewide programs ask for a homebuyer class first. Create a free account to see who’s near you.All 5 statewide programs ask for a homebuyer class first. Create a free account, take the 90-second match, and we’ll show the counselors near you.

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Free account → 90-second match → your counselors

Income limitsIncome limits and price caps in PennsylvaniaArea median income for all 67 counties, and the limit each program sets.See the limits

Pennsylvania questions

What is First Front Door (FFD)?

First Front Door (FFD), a assistance grant for first-time homebuyers (forgiven over 5 yrs, income limits), open anywhere in Pennsylvania and run by FHLBank Pittsburgh (Federal Home Loan Bank of Pittsburgh). Its page has the details and a link to the official site.

Which Pennsylvania counties run their own programs?

33 counties of 67 have a county or city program listed, among them Philadelphia, Allegheny, Montgomery and Centre. The table above lists them, and each county page has its own programs.

Do I need a homebuyer class in Pennsylvania?

Many programs ask for one. 5 of the 5 statewide programs list a homebuyer education requirement. HUD-approved housing counseling agencies teach them, often for free.

Can I use assistance on a Pennsylvania condo?

Each program sets which kinds of homes it accepts; the program’s page lists them where the agency publishes them.