FHA Closing Cost Assistance Loan Program
Assistance grant · New construction · Income limit 140% of AMI
Single-family detached, Townhouse, Condominium, 2-4 unit (owner-occupied)
See details Jul 2026
Down payment assistance · Pennsylvania
Buying a home in Berks County, PA
3 county-wide programs, plus 5 statewide and 62 nationwide.Berks has 3 programs that cover the whole county. On top of those, 5 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in BerksAnywhere in Berks County
3 programs for every Berks address3 programs that cover every Berks address
All 3 ask for a homebuyer class.These are run for the whole county, so a home in Reading, Wyomissing or Blandon can use them. All 3 ask for a homebuyer class.
HomeOwnership Program Financing (HOP)
Assistance grant · New construction · Income limit 140% of AMI
Single-family detached, Townhouse, Condominium, 2-4 unit (owner-occupied)
See details Jul 2026
NHS Closing Cost Assistance Loan Program (CCAL)
Assistance grant · New construction · Income limit 140% of AMI
Single-family detached, Townhouse, Condominium, 2-4 unit (owner-occupied)
See details Jul 2026
AMI is HUD’s area median income for Berks, adjusted for household size. Each program publishes its own dollar limits.
The Berks marketThe Berks housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Berks
- 56.4% single-familysingle-family
- 22.8% townhousetownhouse
- 7.9% 2–4 units2–4 units
- 10.1% 5+ unitscondo & apartment buildings (5+ units)
- 2.8% mobile & othermobile home & other
Condos count. All 3 county-wide programs list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Berks’s homes were built
pre-19401970s2020+
63.6%
of Berks 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.
$102,100
HUD area median income, 4 people (FY2026)HUD area median income, Berks County, 4-person household (FY2026)
$79,777
Median household income (ACS 2024 5-year)Median household income in Berks (Census ACS 2024 5-year)
71.3%
of occupied homes are owner-occupied (Pennsylvania: 69.3%)
The two income figures measure different things. HUD’s area median income is the one programs use. 12 of the 70 programs here set their income limit as a share of Berks County’s area median income, adjusted for household size. See the published limits for Berks County
Free help in BerksFree help in Berks
2 HUD-approved counseling agencies with an office in the county2 HUD-approved housing counseling agencies with an office in Berks County
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Berks County.
51 cities and placesA to Z
All cities in Berks CountyAll 51 cities and places in Berks County
- Alleghenyville
- Amity Gardens
- Bally
- Birdsboro
- Blandon
- Boyertown
- Colony Park
- Fleetwood
- Flying Hills
- Fox Chase
- Greenfields
- Grill
- Hamburg
- Hyde Park
- Jacksonwald
- Kenhorst
- Kutztown
- Laureldale
- Leesport
- Lincoln Park
- Lorane
- Mohnton
- Montrose
- Mount Penn
- Muhlenberg Park
- New Berlinville
- Oley
- Pennside
- Reading
- Red Lion
- Reiffton
- River View Park
- Robesonia
- Saint Lawrence
- Shillington
- Shoemakersville
- Sinking Spring
- South Temple
- Spring Ridge
- Stony Creek Mills
- Temple
- Topton
- Wernersville
- West Hamburg
- West Lawn
- West Reading
- West Wyomissing
- Whitfield
- Womelsdorf
- Wyomissing
- Wyomissing Hills
Berks questions
Can I use a county program anywhere in Berks?
The 3 county-wide programs cover homes anywhere in the county. City programs are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Berks County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Berks programs accept condos?
All 3 county-wide programs list condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Berks?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies have an office in Berks County. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
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), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.