Assistance grant
FHA Closing Cost Assistance Loan Program
New construction · Income limits · Single-family detached · Townhouse · Condominium
Down payment assistance · Berks County
Buying a home in Reading, PA
3 Reading programs and 5 statewide.Reading has 3 programs of its own, and 5 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Reading’s own programs
Assistance grant
HomeOwnership Program Financing (HOP)
New construction · Income limits · Single-family detached · Townhouse · Condominium
Assistance grant
NHS Closing Cost Assistance Loan Program (CCAL)
New construction · Income limits · Single-family detached · Townhouse · Condominium
The Reading marketThe Reading housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Reading
- 11.8% single-familysingle-family
- 52.2% townhousetownhouse
- 18.2% 2–4 units2–4 units
- 17.5% 5+ unitscondo & apartment buildings (5+ units)
- 0.3% mobile & othermobile home & other
Condos count. All 3 of Reading’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Reading’s homes were built
pre-19401970s2020+
90.3%
of Reading homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$102,100
County area median income, 4 people (HUD)HUD area median income, Berks County, 4-person household (2026)
$44,091
Reading median household incomeMedian household income in Reading (Census, 2024)
12 of the 70 programs here set their income limit as a share of Berks County’s area median income, adjusted for household size. See the published limits for Berks County
Free help nearbyFree help near Reading
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Pennsylvania and nationwide
67 statewide & federal programs5 statewide programs, plus federal options
Reading questions
Does Reading have its own down payment program?
Yes, 3: FHA Closing Cost Assistance Loan Program, HomeOwnership Program Financing (HOP) and NHS Closing Cost Assistance Loan Program (CCAL). Each is for homes inside Reading.
Can I use assistance on a condo in Reading?
All 3 of Reading’s local and county programs accept condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Berks County?
Each program sets its own. 12 of the programs here set theirs as a share of HUD’s area median income for Berks County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Reading?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Reading. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
19601 · 19602 · 19603 · 19604 · 19605 · 19606 · 19607 · 19608 · 19609 · 19610 · 19611 · 19612 · 19640
Nearby in Berks
Sources
Sources: agency sites (July–August 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (July–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.