hey prescott.
See what you qualify for

Pike County First Time Homebuyer Program

Pike County Office of Human Services (with NeighborWorks Northeastern PA providing education/evaluation) · Pike County, Pennsylvania

Last verified
See what you qualify forOfficial program site →
Assistance

50%

Of the purchase price, as the program sets it

Income limit

80% AMI

Of area median income; varies by county and household size

Repayment

Deferred

No payments until the home is sold or refinanced

What is Pike County First Time Homebuyer Program?

Pike County First Time Homebuyer Program is a deferred second loan for homebuyers in Pike County, Pennsylvania, administered by Pike County Office of Human Services (with NeighborWorks Northeastern PA providing education/evaluation).

  • Launched in 2024, the Pike County First Time Homebuyer Program helps income-eligible first-time buyers overcome the upfront cost barrier to owner-occupied homeownership within Pike County. Funded by federal CDBG through PA DCED and run by Pike County Human Services with NeighborWorks Northeastern PA providing required homebuyer education, the program pays up to half of a buyer's down payment plus opening/closing costs on a first-come, first-served basis subject to fund availability.
  • Pays up to 50% of down payment + closing costs.
  • Required NeighborWorks homebuyer education.
  • County-wide Pike County coverage.
  • CDBG-funded deferred assistance.
  • This is a federal program, so it is available beyond a single state or city.
  • Funding comes from Federal CDBG (HUD) administered through the PA Department of Community & Economic Development to Pike County.

How much assistance does it provide?

Pike County First Time Homebuyer Program provides assistance worth 50% of the purchase price, as set by the program.

  • Award tiers: Pays up to half (50%) of the down payment plus opening/closing costs; total per household determined by NeighborWorks based on need. Specific maximum dollar amount not published.
  • The program can be combined with Combined with a primary mortgage and NeighborWorks homebuyer products; commonly layered with PHFA programs.
  • Amounts are the program's published maximums, not an offer — Pike County Office of Human Services (with NeighborWorks Northeastern PA providing education/evaluation) determines any individual award.

Do you have to pay it back?

Pike County First Time Homebuyer Program is deferred, so no payments are due until the home is sold, refinanced, or the first mortgage is paid off.

  • Repayment is triggered by Recapture conditions apply per federal CDBG rules (repayment/affordability period on sale within a set term). Exact terms set by HUD/County — confirm recapture/affordability period.
  • The assistance is recorded in Subordinate (CDBG down payment assistance lien); exact position not published. position.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Pike County First Time Homebuyer Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — the program sets its own definition
  • The home is occupied as a primary residence
  • A completed homebuyer education course, through NeighborWorks Northeastern PA (NWNEPA)
  • Residency: Owner-occupied home must be located within Pike County, PA.
  • Citizenship or immigration status: U.S. citizenship/eligible-immigration requirement applies per CDBG program rules.
  • DRAFT (dpa-gap-finder 2026-06-13): pending review. Confirmed on official Pike County government site and NeighborWorks NEPA launch announcement. CDBG-funded; pays up to 50% of down payment + closing costs; FTHB, owner-occupied, Pike County property, HUD income limits, U.S. citizenship and recapture conditions apply; mandatory NWNEPA homebuyer education. STATUS NOTE: page indicates the program is temporarily PAUSED while previously-received applications are processed — still active/funded; re-verify intake status before publishing. GAPS: maximum dollar amount, full HUD income table by household size (posted only as image), max purchase price, recapture/affordability period, lien position, inspection requirement, min credit/DTI not published. Program Overview and Pre-Application Checklist PDFs exist on county site.

The program excludes

  • Households above 80% 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?

Pike County First Time Homebuyer Program limits household income to 80% of the area median income, which varies by county and household size.

  • Low-to-modest income limits set by HUD (CDBG), provided in the county's 'Current AMI' table (published as an image). Full machine-readable per-household-size dollar table not extractable — confirm current Pike County HUD income limits via the posted AMI sheet / Human Services.
  • The limit applies to total household income, not only the borrower’s.
  • 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?

Pike County First Time Homebuyer Program caps the purchase price as follows: Maximum purchase price set per CDBG/County requirements (communicated to eligible applicants); specific figure not published.

  • Eligible property types include Single Family.

Where does it apply?

Pike County First Time Homebuyer Program is a federal program, so it is not limited to Pennsylvania.

How do you apply?

Applications for Pike County First Time Homebuyer Program go through Pike County Office of Human Services (with NeighborWorks Northeastern PA providing education/evaluation), which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through NeighborWorks Northeastern PA (NWNEPA).

  2. Contact Pike County Office of Human Services (with NeighborWorks Northeastern PA providing education/evaluation) to reserve funds

    Funds are reserved through First-come, first-served, contingent on availability of funds. NOTE: program temporarily paused (as of page capture) while previously-received applications are reviewed; still an active, funded program. Contact Robert Ruiz (570) 296-3434., 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.

90-second match

Not sure which you qualify for?

Answer 9 questions and we'll match you to every program you can actually use — in about 90 seconds. No SSN, no credit pull.

Find my programs