Down Payment and Closing Costs Assistance Program

What is Down Payment and Closing Costs Assistance Program?

Down Payment and Closing Costs Assistance Program is a grant for homebuyers in Susquehanna|Wyoming|Bradford County, Pennsylvania.

• Trehab Community Action Agency is the Northern Pennsylvania community action agency serving Susquehanna, Wyoming, and Bradford counties. Trehab's Down Payment and Closing Costs Assistance Program provides grants to first-time, low- and moderate-income homebuyers purchasing primary residences in their service area. Funding flows through the Pennsylvania Housing Finance Agency Housing Trust Fund and HUD Community Services Block Grant pass-through dollars. The grant is bundled with Trehab's HUD-certified pre-purchase homebuyer education program and one-on-one financial counseling.
• Closing-cost and down-payment assistance grant of up to $5,000 for first-time, low- and moderate-income homebuyers purchasing a primary residence in Trehab Community Action Agency's three-county service area: Susquehanna, Wyoming, and Bradford counties. Funds are sourced from PHFA Housing Trust Fund / HUD CSBG / Pennsylvania Department of Community and Economic Development pass-through dollars. The grant is non-repayable subject to recapture if the buyer fails to meet primary-residence requirements.
• Funding comes from PHFA Housing Trust Fund, HUD CSBG, State, and Federal.

Do you have to pay it back?

Down Payment and Closing Costs Assistance Program is structured as a grant, so it is not repaid.

• Repayment is triggered by Non-repayable grant subject to recapture if buyer fails to occupy the property as primary residence per program affordability terms.
• Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Down Payment and Closing Costs Assistance Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

What are the income limits?

Down Payment and Closing Costs Assistance Program sets its income limit as follows: Income limits track PHFA Housing Trust Fund / HUD CSBG / DCED limits in the active funding cycle. Specific 2026 dollar limits not published; verify with Trehab CAA at intake.

• The limit applies to total household income, not only the borrower’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.

What kind of home can it be used for?

Down Payment and Closing Costs Assistance Program caps the purchase price as follows: Tracks PHFA / HUD HOME 95% area median purchase price for Susquehanna, Wyoming, and Bradford counties.

• Eligible property types include Single-family detached, Townhouse, Condominium, and Manufactured (real-property only).
• New construction is eligible.
• Manufactured homes are eligible.

Where does it apply?

Down Payment and Closing Costs Assistance Program serves buyers purchasing in Susquehanna|Wyoming|Bradford County, Pennsylvania.

• The program targets specific areas: Susquehanna, Wyoming, and Bradford counties, PA.

How do you apply?

Applications for Down Payment and Closing Costs Assistance Program go through the administering agency, which publishes the current terms and the application steps on its own site.

1. 1

   Take a homebuyer education course

   Required by the program, through Trehab CAA HUD-approved housing counseling program; pre-purchase 8-hour education and one-on-one counseling required..

2. 2

   Contact the administering agency to reserve funds

   Funds are reserved through First-come, first-served subject to annual PHFA Housing Trust Fund / CSBG allocation; applicants apply directly to Trehab., and are subject to availability.

3. 3

   Work with a lender who handles the program

   Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.