Greater Erie Area Habitat for Humanity Homeownership Program
Down-payment assistance · New construction · Income limits
Down payment assistance · Erie County
Buying a home in Waterford, PA
1 county program and 5 statewide.Waterford has no program of its own, 1 across Erie County, and 5 statewide. Here is what each one offers, and who near you can walk you through it.
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What’s local to Waterford
No program of Waterford’s own yet
No program run for Waterford alone is listed. A home in Waterford can use Erie County’s programs below, plus the Pennsylvania statewide and federal ones.
The closest city that runs its own program is Erie, about 14 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in ErieAnywhere in Erie County
1 county program1 county program a Waterford homebuyer can use
Income limits in Erie County
How programs here set their income limits
$88,600
County area median income, 4 people (HUD)HUD area median income, Erie County, 4-person household (2026)
9 of the 68 programs here set their income limit as a share of Erie County’s area median income, adjusted for household size. See the published limits for Erie County
Free help nearbyFree help near Waterford
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
Waterford’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Greater Erie Area Habitat for Humanity Homeownership Program asks 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
Waterford questions
Does Waterford have its own down payment program?
No program run for Waterford alone is listed. A home in Waterford can use the 1 program that cover Erie County and the 5 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Waterford?
Waterford’s one local program does not list condos as eligible. Greater Erie Area Habitat for Humanity Homeownership Program lists single family. 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 Erie County?
Each program sets its own. 9 of the programs here set theirs as a share of HUD’s area median income for Erie 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 Waterford?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Waterford. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
16441
Nearby in Erie
Sources
Sources: agency sites (July–August 2026), 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). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.