Northampton County First-Time Homebuyer Program
Forgivable loan · Forgiven over 5 yrs · Income limits
Down payment assistance · Northampton County
Buying a home in Belfast, PA
1 county program and 5 statewide.Belfast has no program of its own, 1 across Northampton 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.
Find my programs Free · No credit pull · 90 seconds
What’s local to Belfast
No program of Belfast’s own yet
No program run for Belfast alone is listed. A home in Belfast can use Northampton County’s programs below, plus the Pennsylvania statewide and federal ones.
The closest city that runs its own program is Bethlehem, about 12 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in NorthamptonAnywhere in Northampton County
1 county program1 county program a Belfast homebuyer can use
1 more program is for homes in Bethlehem. See them 1 program in neighboring cities — for homes inside those cities, not Belfast
- Bethlehem — Bethlehem Homebuyer Assistance Program (BHAP)
The Belfast marketThe Belfast housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Belfast
- 71.6% single-familysingle-family
- 4.4% townhousetownhouse
- 0% 2–4 units2–4 units
- 3.7% 5+ unitscondo & apartment buildings (5+ units)
- 20.2% mobile & othermobile home & other
About condos. Belfast’s one local program does not list condos as eligible. Northampton County First-Time Homebuyer Program lists single family and 2-4 unit.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Belfast’s homes were built
pre-19401970s2020+
69.3%
of Belfast 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.
$104,400
County area median income, 4 people (HUD)HUD area median income, Northampton County, 4-person household (2026)
$77,647
Belfast median household incomeMedian household income in Belfast (Census, 2024)
10 of the 68 programs here set their income limit as a share of Northampton County’s area median income, adjusted for household size. See the published limits for Northampton County
Free help nearbyFree help near Belfast
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Belfast’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Northampton County First-Time Homebuyer Program asks 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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across Pennsylvania and nationwide
67 statewide & federal programs5 statewide programs, plus federal options
Belfast questions
Does Belfast have its own down payment program?
No program run for Belfast alone is listed. A home in Belfast can use the 1 program that cover Northampton County and the 5 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Belfast?
Belfast’s one local program does not list condos as eligible. Northampton County First-Time Homebuyer Program lists single family and 2-4 unit. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Northampton County?
Each program sets its own. 10 of the programs here set theirs as a share of HUD’s area median income for Northampton 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 Belfast?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Belfast. Create a free account and take the 90-second match to see the ones near you.
Nearby in Northampton
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.