Growing Homeowners Initiative (Luzerne County)
Forgivable loan · Forgiven over 5 yrs · Income limits
Down payment assistance · Luzerne County
Buying a home in Luzerne, PA
3 county programs and 5 statewide.Luzerne has no program of its own, 3 across Luzerne County, and 5 statewide. Here is what each one offers, and who near you can walk you through it.
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What’s local to Luzerne
No program of Luzerne’s own yet
No program run for Luzerne alone is listed. A home in Luzerne 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 15 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 Luzerne homebuyer can use
Income limits in Luzerne County
How programs here set their income limits
$92,400
County area median income, 4 people (HUD)HUD area median income, Luzerne County, 4-person household (2026)
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 Luzerne
4 HUD-approved counseling agencies within 15 miles4 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.
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Across Pennsylvania and nationwide
67 statewide & federal programs5 statewide programs, plus federal options
Luzerne questions
Does Luzerne have its own down payment program?
No program run for Luzerne alone is listed. A home in Luzerne 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 Luzerne?
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 Luzerne?
HUD-approved housing counseling agencies teach homebuyer classes, and 4 agencies are within 15 miles of Luzerne. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
18709
Nearby in Luzerne
Sources
Sources: agency sites (July–August 2026), 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). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.