Forgivable loan
City of Johnstown First Time Homebuyer Program
First-time homebuyers · Income limits · Single Family
Down payment assistance · Cambria County
Buying a home in Johnstown, PA
1 Johnstown program and 5 statewide.Johnstown has 1 program of its own, 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 Johnstown addresses
Johnstown’s own program
The Johnstown marketThe Johnstown housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Johnstown
- 52.1% single-familysingle-family
- 17.9% townhousetownhouse
- 11.7% 2–4 units2–4 units
- 18.3% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
About condos. Johnstown’s one local program does not list condos as eligible. City of Johnstown First Time Homebuyer Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Johnstown’s homes were built
pre-19401970s2020+
92%
of Johnstown 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.
$84,500
County area median income, 4 people (HUD)HUD area median income, Cambria County, 4-person household (2026)
$37,888
Johnstown median household incomeMedian household income in Johnstown (Census, 2024)
10 of the 68 programs here set their income limit as a share of Cambria County’s area median income, adjusted for household size. See the published limits for Cambria County
Free help nearbyFree help near Johnstown
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Create a free account to see who’s near you and pick one.A HUD-approved counselor teaches homebuyer classes 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
Johnstown questions
Does Johnstown have its own down payment program?
Yes, one: City of Johnstown First Time Homebuyer Program, a forgivable loan for first-time homebuyers (forgiven over 10 yrs, income limits). It is for homes inside Johnstown.
Can I use assistance on a condo in Johnstown?
Johnstown’s one local program does not list condos as eligible. City of Johnstown First Time Homebuyer Program lists single family. 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 Cambria County?
Each program sets its own. 10 of the programs here set theirs as a share of HUD’s area median income for Cambria 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 Johnstown?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
15901 · 15902 · 15904 · 15905 · 15906 · 15907 · 15909 · 15915
Nearby in Cambria
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.