Down payment assistance · Pennsylvania
2 county-wide programs, plus 5 statewide and 62 nationwide.Cumberland has 2 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 CumberlandAnywhere in Cumberland County
All 2 are for first-time homebuyers and ask for a homebuyer class.These are run for the whole county, so a home in Carlisle, Mechanicsburg or Camp Hill can use them. All 2 are for first-time homebuyers and ask for a homebuyer class.
Forgivable loan · Forgiven over 5 yrs · Income limit 100% of AMI
Single-family detached, Manufactured home (HUD code, permanently affixed), Modular/factory-built housing
Forgivable loan · Forgiven over 5 yrs · Income limit 80% of AMI
1- to 2-unit owner-occupied primary residence (single-family detached, duplex, townhouse, condominium).
AMI is HUD’s area median income for Cumberland, adjusted for household size. Each program publishes its own dollar limits.
The Cumberland marketThe Cumberland housing market
Condos count. 1 of the 2 county-wide programs list condos as eligible. Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program lists single-family detached, manufactured home (hud code, permanently affixed) and modular/factory-built housing.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
52.8%
of Cumberland 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.
The two income figures measure different things. HUD’s area median income is the one programs use. 11 of the 69 programs here set their income limit as a share of Cumberland County’s area median income, adjusted for household size. See the published limits for Cumberland County
Free help in CumberlandFree help in Cumberland
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 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.
Free account → 90-second match → your counselors · Sign in
Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Cumberland County.
15 cities and placesA to Z
The 2 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.
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.
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.
1 of the 2 county-wide programs list condos as eligible. Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program lists single-family detached, manufactured home (hud code, permanently affixed) and modular/factory-built housing. The agency confirms it for the home you choose.
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies have an office in Cumberland County. Create a free account and take the 90-second match to see the ones near you.
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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.