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Programs by situation

Down payment assistance for veterans and military families in Pennsylvania

11 programs name veterans and military families: 4 city, 7 county programs.

Naming a group is one eligibility rule among several. Each program also sets an income limit, a price cap, an occupancy rule and a credit requirement. Being a veteran puts a program on this list; it does not decide whether you can use it.

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The 11 programs, closest first

From one city out to the whole state

Listed A–Z within each group, not ranked.

In a Pennsylvania city 4 programs

For homes inside that city’s limits only
ForgivableBethlehem · Northampton County

Bethlehem Homebuyer Assistance Program (BHAP)

Forgivable loan · First-time homebuyers · Income limit 80% of area median income

Names: veterans, active-duty service members, reservists and surviving spouses · Homebuyer class required

See details →
ForgivablePittsburgh · Allegheny County

Down Payment and Closing Cost Assistance Program (< 80% AMI)

Forgivable loan · First-time homebuyers · Income limit 80% of area median income

Names: veterans, active-duty service members, reservists and surviving spouses · Homebuyer class required

See details →
DeferredPittsburgh · Allegheny County

Down Payment and Closing Cost Assistance Program (80% - 115% AMI)

Deferred second loan · First-time homebuyers · Income limit 115% of area median income

Names: veterans, active-duty service members, reservists and surviving spouses · Homebuyer class required

See details →
ForgivableChester · Delaware County

Homebuyers Assistance Program (HAP)

Forgivable loan · First-time homebuyers · Income limit 80% of area median income

Names: veterans, active-duty service members, reservists and surviving spouses · Homebuyer class required

See details →

In one county 7 programs

For homes anywhere in the county or the counties named
ForgivableDelaware County

Delaware County Homeownership First Program

Forgivable loan · First-time homebuyers · Income limit 80% of area median income

Names: veterans, active-duty service members, reservists and surviving spouses · Homebuyer class required

See details →
ForgivableCumberland County

Down Payment and Closing Cost Assistance Program

Forgivable loan · First-time homebuyers · Income limit 80% of area median income

Names: veterans, active-duty service members, reservists and surviving spouses · Homebuyer class required

See details →
ForgivableChester County

First Time Home Buyer Program

Forgivable loan · First-time homebuyers · Income limit 80% of area median income

Names: veterans, active-duty service members, reservists and surviving spouses · Homebuyer class required

See details →
ForgivableBucks County

First Time Home Buyers Program

Forgivable loan · First-time homebuyers · Income limit 80% of area median income

Names: veterans, active-duty service members, reservists and surviving spouses · Homebuyer class required

See details →
ForgivableCentre County

First-Time Home Buyer Program

Forgivable loan · First-time homebuyers · Income limit 80% of area median income

Names: veterans, active-duty service members, reservists and surviving spouses · Homebuyer class required

See details →
ForgivableWashington County

Homebuyer Assistance Program

Forgivable loan · First-time homebuyers · Income limit 80% of area median income

Names: veterans, active-duty service members, reservists and surviving spouses · Homebuyer class required

See details →
ForgivableDelaware County

Homeownership First Program

Forgivable loan · First-time homebuyers · Income limit 80% of area median income

Names: veterans, active-duty service members, reservists and surviving spouses · Homebuyer class required

See details →

Nationwide 5 programs · not in the 11

Nationwide: 5 more, not in the 11

What to know

What the 11 records say

From each program’s own record. The agency decides who can use it.

  1. 11 of 11

    ask for a homebuyer education class.

  2. 11 of 11

    are limited to first-time homebuyers, as each program defines it.

  3. 11 of 11

    name an FHA, VA, USDA or conventional loan they can be paired with.

Free help in Pennsylvania

91 HUD-approved counseling agencies in Pennsylvania

All 11 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through every rule a program sets.

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Questions, answered

Does being a veteran mean I can use these programs?

No. These programs name veterans and military families in their eligibility rules, which is why they are grouped here, but every program also sets income limits, purchase price caps, credit and occupancy requirements. Membership in a group is one rule among several.

Why are nationwide programs listed separately?

A nationwide program is not one of Pennsylvania’s own, so it is listed below the 11 Pennsylvania programs and not counted in them. Each one sets its own area and eligibility rules; its page has the details.

Is Hey Prescott a lender?

No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.

Programs and counts: Hey Prescott program records, each verified with its administering agency (July 2026). Counselors: HUD housing counseling agency list. Hey Prescott is not a lender.