Philadelphia Housing Development Corporation (PHDC)
Up to $10,000 toward a down payment in PA.
A City of Philadelphia homebuyer assistance grant of up to $10,000, or 6% of the purchase price, whichever is lower. Funds may be applied to principal reduction, down payment and loan closing costs. Open to first-time buyers — including anyone who has not owned a home in the past three years — purchasing a single-family home or duplex inside Philadelphia. Condominiums are not eligible. One-on-one homeownership counseling through a City-funded housing counseling agency must be completed BEFORE the Agreement of Sale is signed, which is the step buyers most often miss. The grant is not free and clear: the City states it must be repaid if the buyer moves or refinances before living in the home for 15 years.
Short reads on how it works, in plain language. Free, no sign-up needed to read.
Free course from Hey Prescott
A short, free course on Philly First Home Program: what it is, who it is for, whether it has to be paid back, where it applies and how to apply. Based on program data from September 2026. About ten minutes.
5 modules · About 10 minutes
Free course from Hey Prescott
A short, free course on Philadelphia's first-time homebuyer grant: what it is, who it is for, whether it has to be paid back, where it applies and how to apply. About ten minutes.
5 modules · About 10 minutes
Program details are sourced from public agency data and may change. Confirm eligibility with a Hey Prescott loan officer before applying.