Dauphin County Affordable Housing Trust Fund First-Time Homebuyers Program (FTHB)

Dauphin County Affordable Housing Trust Fund First-Time Homebuyers Program (FTHB) is a deferred second loan for homebuyers in Dauphin County, Pennsylvania, administered by Dauphin County Department of Community & Economic Development (Affordable Housing Trust Fund Advisory Board). Dauphin County's First-Time Homebuyers Program offers a 0% interest second/subordinated mortgage of up to $6,000 toward down payment and/or closing costs anywhere in Dauphin County, including the City of Harrisburg. No monthly payments are required; the full principal is repaid only on resale and returned to the program pool. Applicants complete approved homebuyer counseling and meet 80% AMI limits. Overseen by the Affordable Housing Trust Fund Advisory Board. Up to $6,000 toward down payment/closing costs. 0% interest. No monthly payments. Deferred repayment only on resale. Revolving pool. Rolling year-round applications. Funding comes from Dauphin County Affordable Housing Trust Fund (county mortgage and deed recording fees).

Dauphin County Affordable Housing Trust Fund First-Time Homebuyers Program (FTHB) offers up to $6,000 in assistance. Homebuyer contribution: Buyer contributes minimum 3% of lesser of price/appraised value or $1,000, whichever is less; liquid assets at settlement may not exceed $20,000. The program can be combined with PHFA first-mortgage and assistance products. Amounts are the program's published maximums, not an offer — Dauphin County Department of Community & Economic Development (Affordable Housing Trust Fund Advisory Board) determines any individual award.

Dauphin County Affordable Housing Trust Fund First-Time Homebuyers Program (FTHB) is deferred, so no payments are due until the home is sold, refinanced, or the first mortgage is paid off. Repayment is triggered by Full original principal due on resale (due-on-sale); subordinated upon refinance. The assistance is recorded in Second or subordinated mortgage position. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Dauphin County Affordable Housing Trust Fund First-Time Homebuyers Program (FTHB) is open to first-time homebuyers and homebuyers who will live in the home as their primary residence. "First-time" has exceptions here: First-time buyer OR no home ownership within the last 3 years. On credit, the program states: Set by first-mortgage lender underwriting (no county-published minimum). A homebuyer education course is required, through Fair Housing Council of the Capital Region; Advantage Credit Counseling; PathStone Corp - PA; Tri-County Housing. Residency requirement: Buyer need not reside in Dauphin County, but the home must be in Dauphin County and may not be leased during residency. First-time buyer or no ownership in last 3 years. Max sales price $224,000. Liquid assets capped at $20,000 at settlement. Min buyer contribution 3% of lesser of price/appraised value or $1,000 (whichever is less). Requires approved counseling and a signed Agreement of Sale before applying. Excess committed assistance ($100+) returned to county at settlement.

Dauphin County Affordable Housing Trust Fund First-Time Homebuyers Program (FTHB) limits household income to 80% of the area median income, which varies by county and household size. <=80% Dauphin County median (HUD FY2025, eff 6/1/2025): 1p $59,050; 2p $67,450; 3p $75,900; 4p $84,300; 5p $91,050; 6p $97,800; 7p $104,550; 8p $111,300. The limit applies to total household income, not only the borrower&rsquo;s. The program lists a maximum household size of 8. Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

Dauphin County Affordable Housing Trust Fund First-Time Homebuyers Program (FTHB) caps the purchase price at $224,000. Eligible property types include Single Family.

Dauphin County Affordable Housing Trust Fund First-Time Homebuyers Program (FTHB) serves homebuyers purchasing in Dauphin County, Pennsylvania.

Applications for Dauphin County Affordable Housing Trust Fund First-Time Homebuyers Program (FTHB) go through Dauphin County Department of Community & Economic Development (Affordable Housing Trust Fund Advisory Board), which publishes the current terms and the application steps on its own site. Funds are reserved through Applications accepted year-round; funds distributed as available; approved-but-unfunded held until pool replenished. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.