Montgomery County First-Time Homebuyers Program
Deferred second loan · New construction · Income limit 100% of AMI
Single Family
See details Jul 2026
Down payment assistance · Pennsylvania
Buying a home in Montgomery County, PA
4 county-wide programs, 2 cities with their own, plus 5 statewide and 62 nationwide.Montgomery has 4 programs that cover the whole county and 2 cities with a program of their own. 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 MontgomeryAnywhere in Montgomery County
4 programs for every Montgomery address4 programs that cover every Montgomery address
All 4 ask for a homebuyer class.These are run for the whole county, so a home in Norristown, Pottstown or King of Prussia can use them. All 4 ask for a homebuyer class.
Genesis Housing Corporation Renovated Home Purchase Program (Pottstown/Norristown)
Silent second · Forgiven over 15 yrs · Income limit 80% of AMI
See details Jul 2026
Habitat for Humanity of Montgomery & Delaware Counties Home Purchase Program
Down-payment assistance · New construction · Income limit 80% of AMI
Single Family
See details Jul 2026
Montgomery County Housing Authority Homeownership Program (Housing Choice Voucher Homeownership Option)
Assistance grant · Forgiven over 8 yrs · Income limit 50% of AMI
Single Family
See details Jul 2026
AMI is HUD’s area median income for Montgomery, adjusted for household size. Each program publishes its own dollar limits.
Only inside city limits
2 cities with their own program2 Montgomery cities with their own program
For a home inside that city, on top of the county-wide 4.A city program is for a home inside that city. Buying there? It sits on top of the 4 county-wide programs above.
The Montgomery marketThe Montgomery housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Montgomery
- 53% single-familysingle-family
- 20.1% townhousetownhouse
- 7% 2–4 units2–4 units
- 19.1% 5+ unitscondo & apartment buildings (5+ units)
- 0.9% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Montgomery’s homes were built
pre-19401970s2020+
61.1%
of Montgomery 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.
$122,700
HUD area median income, 4 people (FY2026)HUD area median income, Montgomery County, 4-person household (FY2026)
$113,915
Median household income (ACS 2024 5-year)Median household income in Montgomery (Census ACS 2024 5-year)
71.4%
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. 15 of the 73 programs here set their income limit as a share of Montgomery County’s area median income, adjusted for household size. See the published limits for Montgomery County
Free help in MontgomeryFree help in Montgomery
3 HUD-approved counseling agencies with an office in the county3 HUD-approved housing counseling agencies with an office in Montgomery County
5 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.5 of the 6 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 Montgomery County.
60 cities and placesA to Z
All cities in Montgomery CountyAll 60 cities and places in Montgomery County
has a program of its own
- Ambler
- Ardmore
- Audubon
- Bala-Cynwyd
- Blue Bell
- Bridgeport
- Bryn Athyn
- Bryn Mawr
- Collegeville
- Conshohocken
- Dresher
- Eagleville
- East Greenville
- Evansburg
- Flourtown
- Fort Washington
- Gilbertsville
- Glenside
- Halfway House
- Harleysville
- Hatboro
- Hatfield
- Horsham
- Jenkintown
- Kenilworth
- King of Prussia
- Kulpsville
- Lafayette Hill
- Lansdale
- Limerick
- Maple Glen
- Montgomeryville
- Narberth
- Norristown
- North Wales
- Oreland
- Penn Wynne
- Pennsburg
- Plymouth Meeting
- Pottsgrove
- Pottstown
- Red Hill
- Rockledge
- Royersford
- Sanatoga
- Schwenksville
- Skippack
- Souderton
- South Pottstown
- Spring House
- Spring Mount
- Stowe
- Telford
- Trappe
- Trooper
- West Conshohocken
- West Norriton
- Willow Grove
- Woxall
- Wyncote
Montgomery questions
Can I use a county program anywhere in Montgomery?
The 4 county-wide programs cover homes anywhere in the county. City programs, like Lower Merion Township’s and Norristown’s, 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 Montgomery 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 Montgomery programs accept condos?
Each program sets which kinds of homes it accepts; the program’s page lists them where the agency publishes them.
Where can I take a homebuyer class in Montgomery?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies have an office in Montgomery 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.