Community Action Partnership of Mercer County Assets Match Program
Down-payment assistance
Single Family
See details Jul 2026
Down payment assistance · Pennsylvania
Buying a home in Mercer County, PA
1 county-wide program, plus 5 statewide and 62 nationwide.Mercer has 1 program that covers 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 MercerAnywhere in Mercer County
1 program for every Mercer address1 program that covers every Mercer address
It is for first-time homebuyers and ask for a homebuyer class.This is run for the whole county, so a home in Hermitage, Sharon or Grove City can use it. It is for first-time homebuyers and ask for a homebuyer class.
The Mercer marketThe Mercer housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Mercer
- 75% single-familysingle-family
- 2.7% townhousetownhouse
- 6.5% 2–4 units2–4 units
- 8.8% 5+ unitscondo & apartment buildings (5+ units)
- 7% mobile & othermobile home & other
About condos. None of the 1 county or city program here list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Mercer’s homes were built
pre-19401970s2020+
72.5%
of Mercer 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.
$83,600
HUD area median income, 4 people (FY2026)HUD area median income, Mercer County, 4-person household (FY2026)
$59,976
Median household income (ACS 2024 5-year)Median household income in Mercer (Census ACS 2024 5-year)
72.4%
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. 9 of the 68 programs here set their income limit as a share of Mercer County’s area median income, adjusted for household size. See the published limits for Mercer County
Free help in MercerFree help in Mercer
2 HUD-approved counseling agencies with an office in the county2 HUD-approved housing counseling agencies with an office in Mercer County
Mercer’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Community Action Partnership of Mercer County Assets Match 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.
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Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Mercer County.
10 cities and placesA to Z
All cities in Mercer CountyAll 10 cities and places in Mercer County
Mercer questions
Can I use a county program anywhere in Mercer?
The 1 county-wide program 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 Mercer 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 Mercer programs accept condos?
None of the 1 county or city program here list condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Mercer?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies have an office in Mercer 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.