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NeighborWorks Western Pennsylvania Down Payment & Closing Cost Assistance Loan

NeighborWorks Western Pennsylvania · Multiple (23 western PA counties) County, Pennsylvania

Last verified
See what you qualify forOfficial program site →
Income limit

105% AMI

Of area median income; varies by county and household size

Repayment

Repayable

Repaid on the terms set by NeighborWorks Western Pennsylvania

What is NeighborWorks Western Pennsylvania Down Payment & Closing Cost Assistance Loan?

NeighborWorks Western Pennsylvania Down Payment & Closing Cost Assistance Loan is a second mortgage for homebuyers in Multiple (23 western PA counties) County, Pennsylvania, administered by NeighborWorks Western Pennsylvania.

  • A fixed-rate second-mortgage down payment and closing-cost assistance loan for eligible first-time homebuyers across 23 Western Pennsylvania counties. Requires a Conventional or FHA first mortgage from an approved lending partner, a 620+ credit score, owner-occupancy, and 8 hours of HUD-approved education plus counseling. Income limit 105% of AMI (waived in LMI census tracts); borrowers can bring as little as $1,500 of their own funds.
  • Low borrower cash (as little as $1,500).
  • Income eligibility waived in LMI census tracts.
  • Covers down payment and closing costs via a fixed-rate second mortgage.
  • Funding comes from NeighborWorks Western Pennsylvania lending capital.

Do you have to pay it back?

NeighborWorks Western Pennsylvania Down Payment & Closing Cost Assistance Loan is a second mortgage and is repaid under the terms set by NeighborWorks Western Pennsylvania.

  • Repayment is triggered by Repayable second mortgage — amortizing fixed-rate loan; standard repayment.
  • The assistance is recorded in Second (subordinate to first mortgage); must meet program CLTV guidelines. position.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

NeighborWorks Western Pennsylvania Down Payment & Closing Cost Assistance Loan is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — with exceptions: HUD first-time homebuyer definition (3-year rule with standard exceptions).
  • The home is occupied as a primary residence
  • On credit: Minimum credit score 620.
  • A completed homebuyer education course, through 8 hours HUD-approved homebuyer education (online via eHome America) plus a 1-hour budget/loan review with a NeighborWorks WPA counselor before closing; post-purchase counseling at 6 months and annually for 7 years.
  • DRAFT (dpa-gap-finder 2026-06-11): pending review. 8 hours HUD education + 1-hour counseling pre-closing; post-purchase counseling 6 months and annually for 7 years; 620 min credit; first mortgage from an approved lending partner. Serves 23 western PA counties. Verified via NeighborWorks WPA eligibility/requirements pages and HUD income-limits PDF; interest rate and amount range not published on site (left blank).

The program excludes

  • Households above 105% of area median income

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

NeighborWorks Western Pennsylvania Down Payment & Closing Cost Assistance Loan limits household income to 105% of the area median income, which varies by county and household size.

  • 105% of AMI. Pittsburgh HUD Metro (2022) at 105%: 1 $69,700 ... 4 $99,550 ... 8 $131,450. For the 17 counties outside the Pittsburgh Metro, 105% of that county's AMI applies. Income eligibility WAIVED for purchases in a Low/Moderate-Income census tract (FFIEC).
  • 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?

NeighborWorks Western Pennsylvania Down Payment & Closing Cost Assistance Loan can be used for Single Family.

Where does it apply?

NeighborWorks Western Pennsylvania Down Payment & Closing Cost Assistance Loan serves buyers purchasing in Multiple (23 western PA counties) County, Pennsylvania.

How do you apply?

Applications for NeighborWorks Western Pennsylvania Down Payment & Closing Cost Assistance Loan go through NeighborWorks Western Pennsylvania, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through 8 hours HUD-approved homebuyer education (online via eHome America) plus a 1-hour budget/loan review with a NeighborWorks WPA counselor before closing; post-purchase counseling at 6 months and annually for 7 years..

  2. Contact NeighborWorks Western Pennsylvania to reserve funds

    Funds are reserved through Borrower obtains a first mortgage from an approved lending partner; NeighborWorks WPA underwrites/originates the second mortgage., and are subject to availability.

  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.

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