Unfortunately, the Pittsburgh Home Ownership Program (PHOP) This is temporarily closed. Fortunately, the State of Pennsylvania has terrific loan programs for first and non-first-time home buyers, including closing cost/down payment assistance. Read more
City of Pittsburgh first-time home buyer program requirements
You must own and occupy the City of Pittsburgh home. It may have 1 to 4 residential units. Your income and the purchase price must not exceed the limits. If you are purchasing in a program area you must be either a first-time homebuyer or haven’t owned a home in the past three years. The borrower will also have to pay approximately a $300 fee for an application and a credit report. If you receive a Down Payment Closing Cost Assistance Grant, you will need to attend a home buyer's education class.
You must occupy the property purchased as a primary residence - no investors
|1 - Unit||$248,900|
|2 - Units||$280,340|
|2 - Units||$340,600|
|4 - Units||$393,000|
- Maximum Sales Price - Approximately $298,481
- Mortgage Program - FHA
- Minimum Down Payment - 3 1/2% (FHA)
You must be a first-time home buyer or not owned a home within the previous three years and meet the household income limits in non-targeted area.
- Term - 30-years only
- Eligible Areas - All areas of the City of Pittsburgh
Must be a single-family residence. Condominiums, townhouses, and mobile homes permanently affixed to a Borrower's individually owned lot are eligible. Houses that include rental space or commercial space are ineligible.
Home buyer counseling
Participants' maybe required to obtain pre-purchase credit counseling (Homebuyer Education Counseling). A Certificate of Completion must be submitted to the mortgage company to be made a part of the Borrower(s) loan file. An acceptable Certificate of Completion may be obtained by the Borrower(s) from a PHFA or HUD certified counseling agency. Participants will also be required to meet with a Counselor for a one on one counseling session to go over budget, credit, mortgage financing, and home ownership responsibilities. The counseling session will last a few hours.
City of Pittsburgh closing cost and down payment assistance
Participants in the First-Time Homebuyer Program may qualify for up to a maximum of $3,000 in Closing Cost and Down Payment Assistance Program.
Targeted Area Homebuyers Program
Prospective home buyers in the following census areas are not required to be first-time home buyers. All other requirements of the PHOP Program are applicable.
In target neighborhoods, there are no income limits and you do not have to be a first-time home buyer!.
Maximum Sales Price - Approximately $364,810
|Allegheny Center||Central Northside (Part)||Garfield (Part)||Manchester (Part)|
|Allentown (Part)||Central Oakland||Glen Hazel||Middle Hill|
|Arlington (Part)||Chateau||Hazelwood (Part)||North Oakland (Part)|
|Arlington Heights||Crawford Roberts||Homewood North (Part)||Northview Heights|
|Bedford Dwellings||East Hills||Homewood South||Perry South (Part)|
|Bluff||East Liberty||Homewood West||Spring Hill South|
|Brighton Heights (Part)||East Liberty (Part)||Knoxville (Part)||St.Clair|
|California Kirkbride||Fairywood||Larimer||Terrace Village|
|Central Lawrenceville (Part)||Fineview (Part)||Lincoln-Lemington-Belmar (Part)||West Oakland (Part)|
|Upper Hill (Part)|