Growing Homeowners Initiative (Luzerne County)
Housing Development Corporation of NEPA (HDC)
Forgivable loan · Forgiven over 5 yrs · Income limits
Down payment assistance
70 programs a Luzerne County buyer could use — grants, forgivable loans, and tax credits. Free to explore, no SSN, no credit pull.
Free forever · No credit pull · 90 seconds
Programs available
Open to first-time buyers
Forgivable
Largest award
Housing Development Corporation of NEPA (HDC)
Forgivable loan · Forgiven over 5 yrs · Income limits
Deferred second loan · Forgiven over 5 yrs · Income limits
Wyoming Valley Habitat for Humanity
Down-payment assistance · New construction · Income limits
FHLBank Pittsburgh (Federal Home Loan Bank of Pittsburgh)
Assistance grant · Forgiven over 5 yrs · Income limits
Pennsylvania Housing Finance Agency
Deferred second loan · Income limits
Pennsylvania Housing Finance Agency
Assistance grant · Income limits
Pennsylvania Housing Finance Agency
Forgivable loan · Forgiven over 10 yrs · Income limits
Pennsylvania Housing Finance Agency
Mortgage credit certificate · Income limits
Assistance grant · Income limits
First mortgage
Assistance grant · Income limits
Deferred second loan · Forgiven over 3 yrs · Income limits
Deferred second loan · Income limits
Assistance grant · Income limits
Assistance grant · Income limits
Assistance grant · Income limits
Assistance grant · Income limits
Assistance grant · Income limits
Assistance grant · Income limits
Assistance grant
Forgivable loan · Forgiven over 5 yrs · Income limits
Deferred second loan · Income limits
Deferred second loan · Income limits
Assistance grant · Income limits
Forgivable loan · Forgiven over 3 yrs · Income limits
Assistance grant · Income limits
Assistance grant · Income limits
Assistance grant · Income limits
Assistance grant · Income limits
Assistance grant · Income limits
Assistance grant · Income limits
Forgivable loan · Forgiven over 3 yrs · Income limits
Assistance grant
Forgivable loan · Forgiven over 5 yrs · Income limits
Deferred second loan · Income limits
Assistance grant · Income limits
Assistance grant · Income limits
Forgivable loan · Forgiven over 3 yrs · Income limits
Assistance grant · Income limits
Assistance grant · New construction
Forgivable loan · Forgiven over 3 yrs · Income limits
Deferred second loan · Income limits
Assistance grant · Income limits
Assistance grant · New construction · Income limits
Assistance grant
Deferred second loan · Forgiven over 3 yrs · Income limits
Assistance grant
Assistance grant
Assistance grant · Income limits
Assistance grant · Income limits
Assistance grant · Income limits
Shared-appreciation loan · Income limits
Assistance grant · Income limits
Assistance grant · Income limits
Deferred second loan · Income limits
Forgivable loan · Forgiven over 3 yrs · Income limits
Assistance grant · Income limits
Assistance grant · Income limits
Assistance grant
Assistance grant · New construction · Income limits
Assistance grant
Assistance grant
Assistance grant · Forgiven over 3 yrs · Income limits
Assistance grant · Income limits
Assistance grant · Income limits
Assistance grant · Income limits
Assistance grant · Income limits
Assistance grant · Income limits
First mortgage · Income limits
Assistance grant · Income limits
90-second match
Answer 9 questions and we'll match you to every program you can actually use — in about 90 seconds. No SSN, no credit pull.
Find my programsQuestions, answered
Cities in Luzerne County
43 cities — each with its own down payment assistance breakdown.