Down payment assistance · Pennsylvania
Buying a home in Philadelphia County, PA
1 city with their own, plus 5 statewide and 62 nationwide.Philadelphia has no program that covers the whole county and 1 city 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.
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Only inside city limits
1 city with their own program1 Philadelphia city with their own program
For a home inside that city.A city program is for a home inside that city.
The Philadelphia marketThe Philadelphia housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Philadelphia
- 8.5% single-familysingle-family
- 55.6% townhousetownhouse
- 14.4% 2–4 units2–4 units
- 21.1% 5+ unitscondo & apartment buildings (5+ units)
- 0.4% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Philadelphia’s homes were built
83.3%
of Philadelphia 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. 14 of the 75 programs here set their income limit as a share of Philadelphia County’s area median income, adjusted for household size. See the published limits for Philadelphia County
Free help in PhiladelphiaFree help in Philadelphia
33 HUD-approved counseling agencies with an office in the county33 HUD-approved housing counseling agencies with an office in Philadelphia County
8 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 8 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.
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Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Philadelphia County.
4 cities and placesA to Z
All cities in Philadelphia CountyAll 4 cities and places in Philadelphia County
has a program of its own
Philadelphia questions
Can I use a county program anywhere in Philadelphia?
No program here is listed as covering all of Philadelphia County. City programs, like Philadelphia’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 Philadelphia 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 Philadelphia 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 Philadelphia?
HUD-approved housing counseling agencies teach homebuyer classes, and 33 agencies have an office in Philadelphia 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–October 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.