Growing Homeowners Initiative (Luzerne County)
Forgivable loan · Forgiven over 5 yrs · Income limits
Down payment assistance · Luzerne County
Buying a home in Forty Fort, PA
3 county programs and 5 statewide.Forty Fort has no program of its own, 3 across Luzerne 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.
Find my programs Free · No credit pull · 90 seconds
What’s local to Forty Fort
No program of Forty Fort’s own yet
No program run for Forty Fort alone is listed. A home in Forty Fort can use Luzerne County’s programs below, plus the Pennsylvania statewide and federal ones.
The closest city that runs its own program is Scranton, about 14 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in LuzerneAnywhere in Luzerne County
3 county programs3 county programs a Forty Fort homebuyer can use
The Forty Fort marketThe Forty Fort housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Forty Fort
- 54.2% single-familysingle-family
- 8.1% townhousetownhouse
- 34.6% 2–4 units2–4 units
- 3% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Forty Fort’s homes were built
pre-19401970s2020+
94.5%
of Forty Fort 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.
$92,400
County area median income, 4 people (HUD)HUD area median income, Luzerne County, 4-person household (2026)
$74,432
Forty Fort median household incomeMedian household income in Forty Fort (Census, 2024)
11 of the 70 programs here set their income limit as a share of Luzerne County’s area median income, adjusted for household size. See the published limits for Luzerne County
Free help nearbyFree help near Forty Fort
5 HUD-approved counseling agencies within 15 miles5 HUD-approved housing counseling agencies within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.2 of the 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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across Pennsylvania and nationwide
67 statewide & federal programs5 statewide programs, plus federal options
Forty Fort questions
Does Forty Fort have its own down payment program?
No program run for Forty Fort alone is listed. A home in Forty Fort can use the 3 programs that cover Luzerne County and the 5 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Forty Fort?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Luzerne County?
Each program sets its own. 11 of the programs here set theirs as a share of HUD’s area median income for Luzerne 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 Forty Fort?
HUD-approved housing counseling agencies teach homebuyer classes, and 5 agencies are within 15 miles of Forty Fort. Create a free account and take the 90-second match to see the ones near you.
Nearby in Luzerne
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.