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Tenfold Lancaster Homebuyer Assistance Program

Tenfold Community Lending (formerly Lancaster Housing Opportunity Partnership / LHOP) · Lancaster, Pennsylvania

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Assistance

8%

Of the purchase price, as the program sets it

Income limit

$103,875

The household income limit the program publishes

Price cap

$277,000

Highest purchase price the program allows

Repayment

Deferred

No payments until the home is sold or refinanced

What is Tenfold Lancaster Homebuyer Assistance Program?

Tenfold Lancaster Homebuyer Assistance Program is a deferred second loan for homebuyers in Lancaster, Pennsylvania, administered by Tenfold Community Lending (formerly Lancaster Housing Opportunity Partnership / LHOP).

  • Tenfold Community Lending (formerly LHOP) provides down payment and closing-cost assistance to first-time homebuyers purchasing a single-family home anywhere in Lancaster County, including Lancaster City. Assistance is a 0% interest, no-monthly-payment second-mortgage loan of up to 8% of the sale price, repaid in full when the home is sold, transferred, cash-out refinanced, or no longer the borrower's primary residence. Homes in the Southwest Lancaster (SoWe) neighborhood qualify for an enhanced amount.
  • 0% interest, no monthly payments.
  • Up to 8% of sale price toward down payment and closing costs.
  • Enhanced assistance (up to $10,000) for SoWe neighborhood homes.
  • Pre- and post-purchase counseling included.
  • This is a federal program, so it is available beyond a single state or city.
  • Funding comes from HUD HOME Investment Partnerships Program funds (via Lancaster County) and other sources.

How much assistance does it provide?

Tenfold Lancaster Homebuyer Assistance Program provides assistance worth 8% of the purchase price, as set by the program.

  • The program asks buyers to contribute 1% of purchase price or $1,000, whichever is greater.
  • The program can be combined with other assistance, subject to the rules of each.
  • Amounts are the program's published maximums, not an offer — Tenfold Community Lending (formerly Lancaster Housing Opportunity Partnership / LHOP) determines any individual award.

Do you have to pay it back?

Tenfold Lancaster Homebuyer Assistance 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 Repaid in full upon: (1) sale or transfer, (2) change to deed/title, (3) cash-out refinance, or (4) borrower ceases to occupy the home as their primary residence.
  • The assistance is recorded in Second mortgage lien position.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Tenfold Lancaster Homebuyer Assistance 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 — with exceptions: Buyers who have not owned a home within the last 3 years qualify; a previously jointly-owned home with a former spouse (now divorced) is permitted if removed from deed and released from note/mortgage
  • The home is occupied as a primary residence
  • On credit: Minimum middle credit score of 620; case-by-case exceptions; no-credit-score buyers need 3 open trade lines with 12-month satisfactory history
  • A completed homebuyer education course, through HUD-approved Homebuyer Education Course; Tenfold (HUD-certified housing counseling agency); individual pre-settlement counseling required
  • Residency: Borrower's most recent permanent address must be within Lancaster County for 6 months (restrictions apply)
  • Citizenship or immigration status: U.S. citizens, permanent resident aliens, or non-permanent resident aliens with a valid SSN eligible to work and meeting a 5-year clearance date from settlement
  • Must complete a HUD-approved homebuyer education course and individual counseling before settlement; Sales Agreement must include an executed Tenfold Addendum; cash reserve after closing no more than $7,500 and no less than one month's PITI.

The program excludes

  • Purchases above the $277,000 price cap
  • Households above $103,875

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?

Tenfold Lancaster Homebuyer Assistance Program limits household income to $103,875.

  • 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?

Tenfold Lancaster Homebuyer Assistance Program caps the purchase price at $277,000.

  • Eligible property types include Single Family and Manufactured.
  • New construction is eligible.
  • Manufactured homes are eligible.

Where does it apply?

Tenfold Lancaster Homebuyer Assistance Program is a federal program, so it is not limited to Pennsylvania.

  • The program targets specific areas: Homes in the SoWe (Southwest Lancaster) neighborhood receive an enhanced amount (up to $10,000).

How do you apply?

Applications for Tenfold Lancaster Homebuyer Assistance Program go through Tenfold Community Lending (formerly Lancaster Housing Opportunity Partnership / LHOP), which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through HUD-approved Homebuyer Education Course; Tenfold (HUD-certified housing counseling agency); individual pre-settlement counseling required.

  2. Contact Tenfold Community Lending (formerly Lancaster Housing Opportunity Partnership / LHOP) to reserve funds

    Funds are reserved with the provider 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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