Habitat for Humanity of Greater Pittsburgh — Homeownership Program

Habitat for Humanity of Greater Pittsburgh — Homeownership Program is a first mortgage for homebuyers in Pittsburgh, Pennsylvania, administered by Habitat for Humanity of Greater Pittsburgh. Habitat for Humanity of Greater Pittsburgh's Homeownership Program offers first-time, low-income homebuyers in Allegheny County an affordable path to ownership. Selected households complete 350 hours of sweat equity and financial literacy courses, then purchase a Habitat-built or rehabbed home with a $950 down payment and a 30-year, 0% interest mortgage with payments capped at 30% of household income. Households must earn 40-60% AMI, currently live in substandard housing, never have owned a home, and reside or work in Allegheny County. Applications are accepted during open rounds (current round April 22 - May 22, 2026 for a home in McKeesport). 30-year, 0% interest fixed-rate mortgage. payments capped at 30% of household income. low $950 down payment. financial literacy and homeownership training. Funding comes from Sponsors, donors, and recycled homeowner mortgage payments (revolving fund); homes built/rehabbed by Habitat.

Habitat for Humanity of Greater Pittsburgh — Homeownership Program is a first mortgage and is repaid under the terms set by Habitat for Humanity of Greater Pittsburgh. The assistance is recorded in First position. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Habitat for Humanity of Greater Pittsburgh — Homeownership Program is open to first-time homebuyers and homebuyers who will live in the home as their primary residence. "First-time" has exceptions here: Must never have owned a home. On credit, the program states: No published minimum; a credit check is performed to evaluate ability to repay. A homebuyer education course is required, through Habitat for Humanity of Greater Pittsburgh (~30 hours of financial literacy: debt management, predatory lending, credit repair, savings, budgeting). Residency requirement: Must currently reside or work within Allegheny County, PA, and currently live in substandard or inadequate housing. Citizenship or immigration status: U.S. citizen or permanent resident. 350 hours of sweat equity plus ~30 hours of financial literacy; must currently live in substandard/inadequate housing; first-time (never-owned); income between 40% and 60% AMI (floor and ceiling); reside/work in Allegheny County. Special Purpose Credit Program; criminal background and sex-offender screening; credit check and employment verification. $15 application fee. Distinct from Habitat Philadelphia. Confirmed active (round April 22 - May 22, 2026).

Habitat for Humanity of Greater Pittsburgh — Homeownership Program limits household income to 60% of the area median income, which varies by county and household size. Household income must be between 40% and 60% AMI (HUD 2025, Pittsburgh MSA). Both a floor and ceiling apply, varying by household size (e.g., HH of 1: $30,044-$45,066; HH of 4: $42,920-$64,380; HH of 8: $56,654-$84,982). 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.

Habitat for Humanity of Greater Pittsburgh — Homeownership Program can be used for Single Family. New construction is eligible. Manufactured homes are not eligible.

Habitat for Humanity of Greater Pittsburgh — Homeownership Program serves homebuyers purchasing in Pittsburgh, Pennsylvania.

Applications for Habitat for Humanity of Greater Pittsburgh — Homeownership Program go through Habitat for Humanity of Greater Pittsburgh, which publishes the current terms and the application steps on its own site. Funds are reserved through Open application rounds announced periodically (current round April 22 - May 22, 2026 for a home in McKeesport). Download and submit paper application. 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.