Second mortgage
Turn the Key
First-time homebuyers · Income limits · Single Family
Down payment assistance · Philadelphia County
Buying a home in Philadelphia, PA
8 Philadelphia programs and 5 statewide.Philadelphia has 8 programs 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 Philadelphia addresses
Philadelphia’s own programs
Second mortgage
PHA Opening Doors to Affordable Homeownership Program (ODAHP)
First-time homebuyers
Assistance grant
Philly First Home Program
First-time homebuyers · Income limits · Single Family · Duplex (2-unit)
Assistance grant
Philadelphia Home.Buy.Now Employer-Assisted Housing Program
Income limits
Assistance grant
PhillySEEDS Homeownership Closing Cost Matching Grant
First-time homebuyers
Assistance grant
First-Time Homebuyer Fund
First-time homebuyers · New construction · Income limits · Single-family detached · Townhouse · Rowhouse
First mortgage
Habitat for Humanity Philadelphia Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
Down-payment assistance
PHA Housing Choice Homeownership Program
First-time homebuyers
The Philadelphia marketThe Philadelphia housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Philadelphia
- 8.5% single-familysingle-family
- 55.6% townhousetownhouse
- 14.4% 2–4 units2–4 units
- 21.1% 5+ unitscondo & apartment buildings (5+ units)
- 0.4% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Philadelphia’s homes were built
pre-19401970s2020+
83.3%
of Philadelphia 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.
$122,700
County area median income, 4 people (HUD)HUD area median income, Philadelphia County, 4-person household (2026)
$61,953
Philadelphia median household incomeMedian household income in Philadelphia (Census, 2024)
14 of the 75 programs here set their income limit as a share of Philadelphia County’s area median income, adjusted for household size. See the published limits for Philadelphia County
Free help nearbyFree help near Philadelphia
47 HUD-approved counseling agencies within 15 miles47 HUD-approved housing counseling agencies within 15 miles
8 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 8 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
Philadelphia questions
Does Philadelphia have its own down payment program?
Yes, 8: Turn the Key, PHA Opening Doors to Affordable Homeownership Program (ODAHP), Philly First Home Program, Philadelphia Home.Buy.Now Employer-Assisted Housing Program, PhillySEEDS Homeownership Closing Cost Matching Grant, First-Time Homebuyer Fund, Habitat for Humanity Philadelphia Homeownership Program and PHA Housing Choice Homeownership Program. Each is for homes inside Philadelphia.
Can I use assistance on a condo in Philadelphia?
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 Philadelphia County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Philadelphia 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 Philadelphia?
HUD-approved housing counseling agencies teach homebuyer classes, and 47 agencies are within 15 miles of Philadelphia. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
19019 · 19092 · 19093 · 19099 · 19101 · 19102 · 19103 · 19104 · 19105 · 19106 · 19107 · 19108 · 19109 · 19110 · 19111 · 19112 · 19113 · 19114 · 19115 · 19116 · 19118 · 19119 · 19120 · 19121 · 19122 · 19123 · 19124 · 19125 · 19126 · 19127 · 19128 · 19129 · 19130 · 19131 · 19132 · 19133 · 19134 · 19135 · 19136 · 19137 · 19138 · 19139 · 19140 · 19141 · 19142 · 19143 · 19144 · 19145 · 19146 · 19147 · 19148 · 19149 · 19150 · 19151 · 19152 · 19153 · 19154 · 19155 · 19160 · 19161 · 19162 · 19170 · 19171 · 19172 · 19173 · 19175 · 19177 · 19178 · 19179 · 19181 · 19182 · 19183 · 19184 · 19185 · 19187 · 19188 · 19191 · 19192 · 19193 · 19194 · 19196 · 19197 · 19244 · 19255
Nearby in Philadelphia
Sources
Sources: agency sites (July–October 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–October 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.