Forgivable loan
City of Erie HOME First-Time Homebuyer Program
First-time homebuyers · Single Family
Down payment assistance · Erie County
Buying a home in Erie, PA
2 Erie programs, 1 county program and 5 statewide.Erie has 2 programs of its own, 1 more across Erie County, and 5 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Erie addresses
Erie’s own programs
Forgivable loan
City of Erie HOME Investment Partnerships Program - Homebuyer Down Payment & Closing Cost Assistance
First-time homebuyers · Income limits · Single Family
Anywhere in ErieAnywhere in Erie County
1 county program1 county program a Erie homebuyer can also use
The Erie marketThe Erie housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Erie
- 60.7% single-familysingle-family
- 3.6% townhousetownhouse
- 21.6% 2–4 units2–4 units
- 13.6% 5+ unitscondo & apartment buildings (5+ units)
- 0.5% mobile & othermobile home & other
About condos. None of Erie’s 3 local and county programs list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Erie’s homes were built
pre-19401970s2020+
88.6%
of Erie 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.
$88,600
County area median income, 4 people (HUD)HUD area median income, Erie County, 4-person household (2026)
$46,113
Erie median household incomeMedian household income in Erie (Census, 2024)
10 of the 70 programs here set their income limit as a share of Erie County’s area median income, adjusted for household size. See the published limits for Erie County
Free help nearbyFree help near Erie
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 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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Across Pennsylvania and nationwide
67 statewide & federal programs5 statewide programs, plus federal options
Erie questions
Does Erie have its own down payment program?
Yes, 2: City of Erie HOME First-Time Homebuyer Program and City of Erie HOME Investment Partnerships Program - Homebuyer Down Payment & Closing Cost Assistance. Each is for homes inside Erie.
Can I use assistance on a condo in Erie?
None of Erie’s 3 local and county programs list condos as eligible. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Erie County?
Each program sets its own. 10 of the programs here set theirs as a share of HUD’s area median income for Erie County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Erie?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Erie. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
16501 · 16502 · 16503 · 16504 · 16505 · 16506 · 16507 · 16508 · 16509 · 16510 · 16511 · 16512 · 16514 · 16515 · 16522 · 16530 · 16531 · 16532 · 16533 · 16534 · 16538 · 16541 · 16544 · 16546 · 16550 · 16553 · 16554 · 16558 · 16563 · 16565
Nearby in Erie
Sources
Sources: agency sites (July–August 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.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). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.