Deferred second loan
Tenfold Lancaster Homebuyer Assistance Program
First-time homebuyers · New construction · Income limits · Single Family · Manufactured
Down payment assistance · Lancaster County
Buying a home in Lancaster, PA
1 Lancaster program and 5 statewide.Lancaster 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 Lancaster addresses
Lancaster’s own program
The Lancaster marketThe Lancaster housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Lancaster
- 11.6% single-familysingle-family
- 51.8% townhousetownhouse
- 17.9% 2–4 units2–4 units
- 18.5% 5+ unitscondo & apartment buildings (5+ units)
- 0.3% mobile & othermobile home & other
About condos. Lancaster’s one local program does not list condos as eligible. Tenfold Lancaster Homebuyer Assistance Program lists single family and manufactured.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Lancaster’s homes were built
pre-19401970s2020+
86.1%
of Lancaster 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.
$109,200
County area median income, 4 people (HUD)HUD area median income, Lancaster County, 4-person household (2026)
$63,690
Lancaster median household incomeMedian household income in Lancaster (Census, 2024)
9 of the 68 programs here set their income limit as a share of Lancaster County’s area median income, adjusted for household size. See the published limits for Lancaster County
Free help nearbyFree help near Lancaster
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
Lancaster’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Tenfold Lancaster Homebuyer Assistance Program asks 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
Lancaster questions
Does Lancaster have its own down payment program?
Yes, one: Tenfold Lancaster Homebuyer Assistance Program, a deferred second loan for first-time homebuyers (new construction, income limits). It is for homes inside Lancaster.
Can I use assistance on a condo in Lancaster?
Lancaster’s one local program does not list condos as eligible. Tenfold Lancaster Homebuyer Assistance Program lists single family and manufactured. 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 Lancaster County?
Each program sets its own. 9 of the programs here set theirs as a share of HUD’s area median income for Lancaster 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 Lancaster?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Lancaster. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
17601 · 17602 · 17603 · 17604 · 17605 · 17606 · 17607 · 17608 · 17699
Nearby in Lancaster
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.