Northampton County First-Time Homebuyer Program
Forgivable loan · Forgiven over 5 yrs · Income limits
Down payment assistance · Northampton County
Buying a home in Pen Argyl, PA
1 county program and 5 statewide.Pen Argyl has no program of its own, 1 across Northampton 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.
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What’s local to Pen Argyl
No program of Pen Argyl’s own yet
No program run for Pen Argyl alone is listed. A home in Pen Argyl can use Northampton County’s programs below, plus the Pennsylvania statewide and federal ones.
The closest city that runs its own program is Bethlehem, about 18 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in NorthamptonAnywhere in Northampton County
1 county program1 county program a Pen Argyl homebuyer can use
1 more program is for homes in Bethlehem. See them 1 program in neighboring cities — for homes inside those cities, not Pen Argyl
- Bethlehem — Bethlehem Homebuyer Assistance Program (BHAP)
The Pen Argyl marketThe Pen Argyl housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Pen Argyl
- 42.4% single-familysingle-family
- 39.7% townhousetownhouse
- 13.9% 2–4 units2–4 units
- 3.3% 5+ unitscondo & apartment buildings (5+ units)
- 0.7% mobile & othermobile home & other
About condos. Pen Argyl’s one local program does not list condos as eligible. Northampton County First-Time Homebuyer Program lists single family and 2-4 unit.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Pen Argyl’s homes were built
pre-19401970s2020+
86.1%
of Pen Argyl 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.
$104,400
County area median income, 4 people (HUD)HUD area median income, Northampton County, 4-person household (2026)
$76,096
Pen Argyl median household incomeMedian household income in Pen Argyl (Census, 2024)
10 of the 68 programs here set their income limit as a share of Northampton County’s area median income, adjusted for household size. See the published limits for Northampton County
Free help nearbyFree help near Pen Argyl
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Pen Argyl’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Northampton County First-Time Homebuyer 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
Pen Argyl questions
Does Pen Argyl have its own down payment program?
No program run for Pen Argyl alone is listed. A home in Pen Argyl can use the 1 program that cover Northampton County and the 5 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Pen Argyl?
Pen Argyl’s one local program does not list condos as eligible. Northampton County First-Time Homebuyer Program lists single family and 2-4 unit. 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 Northampton County?
Each program sets its own. 10 of the programs here set theirs as a share of HUD’s area median income for Northampton 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 Pen Argyl?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Pen Argyl. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
18072
Nearby in Northampton
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.