Montgomery County First-Time Homebuyers Program
Deferred second loan · New construction · Income limits
Down payment assistance · Montgomery County
Buying a home in Bala-Cynwyd, PA
4 county programs and 5 statewide.Bala-Cynwyd has no program of its own, 4 across Montgomery County, and 5 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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What’s local to Bala-Cynwyd
No program of Bala-Cynwyd’s own yet
No program run for Bala-Cynwyd alone is listed. A home in Bala-Cynwyd can use Montgomery County’s programs below, plus the Pennsylvania statewide and federal ones.
The closest city that runs its own program is Philadelphia, about 5 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in MontgomeryAnywhere in Montgomery County
4 county programs4 county programs a Bala-Cynwyd homebuyer can use
- Montgomery County First-Time Homebuyers ProgramUp to $10,000
- Genesis Housing Corporation Renovated Home Purchase Program (Pottstown/Norristown)Deferred
- Habitat for Humanity of Montgomery & Delaware Counties Home Purchase ProgramAssistance available
- Montgomery County Housing Authority Homeownership Program (Housing Choice Voucher Homeownership Option)Grant
2 more programs are for homes in Norristown and Lower Merion Township. See them 2 programs in neighboring cities — for homes inside those cities, not Bala-Cynwyd
- Norristown — Norristown Home Buyers Program
- Lower Merion Township — Lower Merion Affordable Home Purchase Program
The Bala-Cynwyd marketThe Bala-Cynwyd housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Bala-Cynwyd
- 48.9% single-familysingle-family
- 10.6% townhousetownhouse
- 3.9% 2–4 units2–4 units
- 36.6% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Bala-Cynwyd’s homes were built
pre-19401970s2020+
72.7%
of Bala-Cynwyd homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$122,700
County area median income, 4 people (HUD)HUD area median income, Montgomery County, 4-person household (2026)
$150,000
Bala-Cynwyd median household incomeMedian household income in Bala-Cynwyd (Census, 2024)
13 of the 71 programs here set their income limit as a share of Montgomery County’s area median income, adjusted for household size. See the published limits for Montgomery County
Free help nearbyFree help near Bala-Cynwyd
46 HUD-approved counseling agencies within 15 miles46 HUD-approved housing counseling agencies within 15 miles
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 4 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Pennsylvania and nationwide
67 statewide & federal programs5 statewide programs, plus federal options
Bala-Cynwyd questions
Does Bala-Cynwyd have its own down payment program?
No program run for Bala-Cynwyd alone is listed. A home in Bala-Cynwyd can use the 4 programs that cover Montgomery County and the 5 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Bala-Cynwyd?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Montgomery County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Montgomery County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Bala-Cynwyd?
HUD-approved housing counseling agencies teach homebuyer classes, and 46 agencies are within 15 miles of Bala-Cynwyd. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
19004
Nearby in Montgomery
Sources
Sources: agency sites (July–August 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (July–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.