Next Steps Grant

Next Steps Grant is a grant for homebuyers in Pittsburgh, Pennsylvania. Reparations-focused grant program for Black/African-American first-time homebuyers in Pittsburgh. True grant (no repayment) for down payment and closing costs. Requires completion of Catapult's Steps to Success pre-purchase counseling. Tiered income eligibility 30% to ~150% AMI for Allegheny County. Catapult Greater Pittsburgh's Next Steps Grant is a reparations-focused down payment and closing cost grant program for Black/African-American first-time homebuyers in the City of Pittsburgh. Provides outright grant funds (no repayment) toward down payment and closing costs. Pairs with FHA, VA, USDA, or Conventional first mortgage. Buyers must complete Catapult's 'Steps to Success' pre-purchase homebuyer counseling/education program. Income range supports households up to ~150% AMI for Allegheny County (1-person 30% AMI ~$17,450 through 8-person ~150% AMI ~$164,350). True grant - no recapture, no repayment. Funding comes from Local and Private.

Next Steps Grant is structured as a grant, so it is not repaid. Repayment is triggered by None - true grant, no repayment. The assistance is recorded in N/A (grant) position. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Next Steps Grant 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 homebuyer required (no ownership in past 3 years). On credit, the program states: Per first-mortgage product overlays (typically 620-640). A homebuyer education course is required, through Catapult Greater Pittsburgh's 'Steps to Success' pre-purchase homebuyer counseling/education program (required prior to grant award). HUD-approved housing counseling. Residency requirement: Property must be located in the City of Pittsburgh and used as borrower's primary residence. Citizenship or immigration status: U.S. citizen, permanent resident, or qualifying non-permanent resident alien per first-mortgage product. Property must be located within the City of Pittsburgh. Borrower must be Black/African-American (program is publicly marketed as a Black-homeownership reparations initiative). First-time homebuyer required (no homeownership in past 3 years). Borrower must complete Catapult's Steps to Success pre-purchase homebuyer counseling. Property must be used as primary residence. Income range $17,450 (1-person 30% AMI) to $164,350 (8-person ~150% AMI) for Allegheny County. Grant amount per tier and Catapult fund availability.

Next Steps Grant limits household income to 150% of the area median income, which varies by county and household size. Income range $17,450-$164,350 reflects tiered eligibility from 30% AMI (1-person ~$17,450) to ~150% AMI (8-person ~$164,350) for Allegheny County. Tiered grant amounts may apply by income band. 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.

Next Steps Grant caps the purchase price as follows: No specific Catapult maximum; subject to first-mortgage product loan limits and bond rules where applicable. Eligible property types include 1- to 4-unit primary residence per first-mortgage product. Single-family detached, condominium, townhouse. New construction is eligible. Manufactured homes are not eligible.

Next Steps Grant serves homebuyers purchasing in Pittsburgh, Pennsylvania.

Applications for Next Steps Grant go through the administering agency, which publishes the current terms and the application steps on its own site. Funds are reserved through Apply directly to Catapult Greater Pittsburgh after completing Steps to Success counseling. Funds awarded subject to availability. 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.