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Eligibility

Arriving Home, our down-payment loan program, is available to first-time homebuyers* who:

And the property must be:

  • A primary residence
  • A single-family dwelling 
  • Owner occupied 
  • Located within the Pittsburgh Metropolitan Statistical Area (MSA) or a Western Pennsylvania county outside the Pittsburgh MSA.

In addition, the borrower must have a credit score of at least 620, and:

  • The second-mortgage loan amount must meet all program guidelines for combined loan-to-value (CLTV) and debt-to-income structure.
  • Contribute at least $1,500 of their own funds into the transaction.

*This program uses the U.S. Dept. of Housing & Urban Development's (HUD) definition of a first-time homebuyer, which you can find on the HUD website

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