Eligibility

Our down-payment assistance loan program, is available to homebuyers who:

• Obtain a Conventional or Federal Housing Administration (FHA) first mortgage loan with an approved lender partner.

And the property must be:

• A primary residence
• A single-family dwelling 
• Owner occupied 
• Located within one of the following Western Pennsylvania Counties:
  • Allegheny, Armstrong, Beaver, Butler, Clarion, Clearfield, Crawford, Elk, Erie, Fayette, Forest, Greene, Huntingdon, Indiana, Jefferson, Lawrence, McKean, Mercer, Somerset, Venango, Washington, Warren, and Westmoreland

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.

*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.