Forgivable loan
Down Payment and Closing Cost Assistance Program (< 80% AMI)
First-time homebuyers · Income limits · 1-2 unit owner-occupied primary residence (single-family detached, duplex, condominium, townhouse).
Down payment assistance · Allegheny County
Buying a home in Pittsburgh, PA
5 Pittsburgh programs, 1 county program and 5 statewide.Pittsburgh has 5 programs of its own, 1 more across Allegheny 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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Only for Pittsburgh addresses
Pittsburgh’s own programs
Deferred second loan
Down Payment and Closing Cost Assistance Program (80% - 115% AMI)
First-time homebuyers · New construction · Income limits · 1-2 unit owner-occupied primary residence (single-family detached, duplex, condominium, townhouse).
First mortgage
Habitat for Humanity of Greater Pittsburgh — Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
Deferred second loan
Homeownership Program
First-time homebuyers · New construction · Income limits · Single-family, condominium, cooperative, manufactured home (with HACP approval). Must pass HUD Housing Quality Standards inspection.
Assistance grant
Next Steps Grant
First-time homebuyers · New construction · Income limits · 1- to 4-unit primary residence per first-mortgage product. Single-family detached, condominium, townhouse.
Anywhere in AlleghenyAnywhere in Allegheny County
1 county program1 county program a Pittsburgh homebuyer can also use
1 more program is for homes in Penn Hills. See them 1 program in neighboring cities — for homes inside those cities, not Pittsburgh
- Penn Hills — Penn Hills Homebuyer Assistance Program
The Pittsburgh marketThe Pittsburgh housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Pittsburgh
- 43.6% single-familysingle-family
- 14.1% townhousetownhouse
- 14.5% 2–4 units2–4 units
- 27.4% 5+ unitscondo & apartment buildings (5+ units)
- 0.4% mobile & othermobile home & other
Condos count. 5 of Pittsburgh’s 6 local and county programs accept condos. Habitat for Humanity of Greater Pittsburgh — Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Pittsburgh’s homes were built
pre-19401970s2020+
83%
of Pittsburgh 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.
$110,400
County area median income, 4 people (HUD)HUD area median income, Allegheny County, 4-person household (2026)
$65,742
Pittsburgh median household incomeMedian household income in Pittsburgh (Census, 2024)
14 of the 73 programs here set their income limit as a share of Allegheny County’s area median income, adjusted for household size. See the published limits for Allegheny County
Free help nearbyFree help near Pittsburgh
8 HUD-approved counseling agencies within 15 miles8 HUD-approved housing counseling agencies within 15 miles
6 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 6 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
Pittsburgh questions
Does Pittsburgh have its own down payment program?
Yes, 5: Down Payment and Closing Cost Assistance Program (< 80% AMI), Down Payment and Closing Cost Assistance Program (80% - 115% AMI), Habitat for Humanity of Greater Pittsburgh — Homeownership Program, Homeownership Program and Next Steps Grant. Each is for homes inside Pittsburgh.
Can I use assistance on a condo in Pittsburgh?
5 of Pittsburgh’s 6 local and county programs accept condos. Habitat for Humanity of Greater Pittsburgh — Homeownership 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 Allegheny County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Allegheny 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 Pittsburgh?
HUD-approved housing counseling agencies teach homebuyer classes, and 8 agencies are within 15 miles of Pittsburgh. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
15201 · 15202 · 15203 · 15204 · 15205 · 15206 · 15207 · 15208 · 15209 · 15210 · 15211 · 15212 · 15213 · 15214 · 15215 · 15216 · 15217 · 15218 · 15219 · 15220 · 15221 · 15222 · 15223 · 15224 · 15225 · 15226 · 15227 · 15228 · 15229 · 15230 · 15231 · 15232 · 15233 · 15234 · 15235 · 15236 · 15237 · 15238 · 15239 · 15240 · 15241 · 15242 · 15243 · 15244 · 15250 · 15251 · 15252 · 15253 · 15254 · 15255 · 15257 · 15258 · 15259 · 15260 · 15261 · 15262 · 15263 · 15264 · 15265 · 15266 · 15267 · 15268 · 15270 · 15272 · 15274 · 15275 · 15276 · 15277 · 15278 · 15279 · 15281 · 15282 · 15283 · 15285 · 15286 · 15290 · 15295
Nearby in Allegheny
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.