First Front Door Program

Written by Anytime EstimateFebruary 11th, 20223 minute read

First Front Door Program

Could you use some free grant money to purchase your first home? Dumb question, I know, but now that we have your attention, you need to know about the First Front Door grant program.

For eligible first-time home buyers in Pennsylvania, Delaware, and West Virginia, the Federal Home Loan Bank of Pittsburgh provides a free down payment (or closing cost assistance grant).

A first-time homebuyer is defined as an applicant who has not owned a house in the previous 3 years, or who has owned a property solely while married but not as a single person in the previous 3 years (this includes a married couple who has not owned a home in the previous 3 years).

The Federal Home Loan Bank collaborates with member banks to offer grant funding and first mortgage financing (i.e. FHA, VA, USDA, and conventional loans).

The grant assistance is a 3-to-1 match. For every dollar that you put into the purchase of the home, the Federal Home Loan Bank will grant $3. For example, if you pay $1,000 toward the purchase of the home, you would receive $3,000. The maximum grant is $5,000.

Doing a little math, that means that if you pay $1,667, you would receive $5,000.

There is no interest and no monthly payment for the assistance grant! There is no repayment unless you sell your home within 5 years. The repayment is prorated on the year of sale.

For example, if your grant was for $5,000 and the house was sold in 3 years, you would owe the Federal Home Loan Bank $2,000 (year 4 and 5).

The First Front Door Assistance Program: FAQs

Q. Do I have to be a first-time homebuyer?
A. Yes. See above.

Q. Is there a minimum credit score with this program?
A. No.

Q. Is there a minimum down payment?
A. No.

Q. What homes are eligible?
A. Single-family houses, townhomes, condominiums, modular units, and manufactured homes.

Q. Can I ask the seller to pay my closing costs (seller assist) and still obtain the grant money?
A. Yes. The assistance grant is not decreased based on seller contribution based on the first mortgage (i.e. FHA, VA, USDA, or conventional loan).

Q. Are there income limits?
A. Yes, the home buyer(s) must have an income of 80% of the county median household income (or less) for the home.

First front door income limits for 2020

► Pennsylvania Income Limits

County Name
Median Income
1 family
2 family
3 family
4 family
5 family
6 family
7 family
Adams County
85,800
47,950
54,800
61,650
68,500
74,000
79,500
84,950
Allegheny County
83,000
46,500
53,150
59,800
66,400
71,750
77,050
82,350
Armstrong County
64,700
36,350
41,550
46,750
51,900
56,100
60,250
64,400
Beaver County
83,000
46,500
53,150
59,800
66,400
71,750
77,050
82,350
Bedford County
61,700
36,350
41,550
46,750
51,900
56,100
60,250
64,400
Berks County
78,600
44,050
50,350
56,650
62,900
67,950
73,000
78,000
Blair County
60,000
36,350
41,550
46,750
51,900
56,100
60,250
64,400
Bradford County
67,100
37,600
43,000
48,350
53,700
58,000
62,300
66,600
Bucks County
96,600
54,150
61,850
69,600
77,300
83,500
89,700
95,900
Butler County
83,000
46,500
53,150
59,800
66,400
71,750
77,050
82,350
Cambria County
62,700
36,350
41,550
46,750
51,900
56,100
60,250
64,400
Cameron County
58,600
36,350
41,550
46,750
51,900
56,100
60,250
64,400
Carbon County
78,200
43,800
50,050
56,300
62,550
67,600
72,600
77,600
Centre County
88,700
49,700
56,800
63,900
70,950
76,650
82,350
88,000
Chester County
96,600
54,150
61,850
69,600
77,300
83,500
89,700
95,900
Clarion County
60,700
36,350
41,550
46,750
51,900
56,100
60,250
64,400
Clearfield County
62,000
36,350
41,550
46,750
51,900
56,100
60,250
64,400
Clinton County
63,800
36,350
41,550
46,750
51,900
56,100
60,250
64,400
Columbia County
65,800
36,900
42,150
47,400
52,650
56,900
61,100
65,300
Crawford County
66,000
37,000
42,250
47,550
52,800
57,050
61,250
65,500
Cumberland County
85,000
47,600
54,400
61,200
68,000
73,450
78,900
84,350
Dauphin County
85,000
47,600
54,400
61,200
68,000
73,450
78,900
84,350
Delaware County
96,600
54,150
61,850
69,600
77,300
83,500
89,700
95,900
Elk County
66,900
37,450
42,800
48,150
53,500
57,800
62,100
66,350
Erie County
71,500
40,050
45,800
51,500
57,200
61,800
66,400
70,950
Fayette County
83,000
46,500
53,150
59,800
66,400
71,750
77,050
82,350
Forest County
47,200
36,350
41,550
46,750
51,900
56,100
60,250
64,400
Franklin County
78,300
43,900
50,150
56,400
62,650
67,700
72,700
77,700
Fulton County
65,300
36,600
41,800
47,050
52,250
56,450
60,650
64,800
Greene County
66,900
37,450
42,800
48,150
53,500
57,800
62,100
66,350
Huntingdon County
61,700
36,350
41,550
46,750
51,900
56,100
60,250
64,400
Indiana County
62,500
36,350
41,550
46,750
51,900
56,100
60,250
64,400
Jefferson County
60,900
36,350
41,550
46,750
51,900
56,100
60,250
64,400
Juniata County
65,300
36,600
41,800
47,050
52,250
56,450
60,650
64,800
Lackawanna County
71,700
40,150
45,900
51,650
57,350
61,950
66,550
71,150
Lancaster County
79,500
44,550
50,900
57,250
63,600
68,700
73,800
78,900
Lawrence County
69,200
38,750
44,300
49,850
55,350
59,800
64,250
68,650
Lebanon County
77,000
43,150
49,300
55,450
61,600
66,550
71,500
76,400
Lehigh County
78,200
43,800
50,050
56,300
62,550
67,600
72,600
77,600
Luzerne County
71,700
40,150
45,900
51,650
57,350
61,950
66,550
71,150
Lycoming County
64,800
36,350
41,550
46,750
51,900
56,100
60,250
64,400
McKean County
59,900
36,350
41,550
46,750
51,900
56,100
60,250
64,400
Mercer County
66,700
37,350
42,700
48,050
53,350
57,650
61,900
66,200
Mifflin County
56,200
36,350
41,550
46,750
51,900
56,100
60,250
64,400
Monroe County
79,100
44,350
50,650
57,000
63,300
68,400
73,450
78,500
Montgomery County
96,600
54,150
61,850
69,600
77,300
83,500
89,700
95,900
Montour County
76,300
42,750
48,850
54,950
61,050
65,950
70,850
75,750
Northampton County
78,200
43,800
50,050
56,300
62,550
67,600
72,600
77,600
Northumberland County
68,500
38,200
43,650
49,100
54,550
58,950
63,300
67,650
Perry County
85,000
47,600
54,400
61,200
68,000
73,450
78,900
84,350
Philadelphia County
96,600
54,150
61,850
69,600
77,300
83,500
89,700
95,900
Pike County
79,100
44,350
50,650
57,000
63,300
68,400
73,450
78,500
Potter County
57,700
36,350
41,550
46,750
51,900
56,100
60,250
64,400
Schuylkill County
66,300
37,150
42,450
47,750
53,050
57,300
61,550
65,800
Snyder County
66,900
37,450
42,800
48,150
53,500
57,800
62,100
66,350
Somerset County
63,500
36,350
41,550
46,750
51,900
56,100
60,250
64,400
Sullivan County
62,200
36,350
41,550
46,750
51,900
56,100
60,250
64,400
Susquehanna County
66,100
37,050
42,350
47,650
52,900
57,150
61,400
65,600
Tioga County
62,000
36,350
41,550
46,750
51,900
56,100
60,250
64,400
Union County
71,500
40,050
45,800
51,500
57,200
61,800
66,400
70,950
Venango County
61,800
36,350
41,550
46,750
51,900
56,100
60,250
64,400
Warren County
62,500
36,350
41,550
46,750
51,900
56,100
60,250
64,400
Washington County
83,000
46,500
53,150
59,800
66,400
71,750
77,050
82,350
Wayne County
69,000
38,650
44,200
49,700
55,200
59,650
64,050
68,450
Westmoreland County
83,000
46,500
53,150
59,800
66,400
71,750
77,050
82,350
Wyoming County
71,700
40,150
45,900
51,650
57,350
61,950
66,550
71,150
York County
82,200
46,050
52,600
59,200
65,750
71,050
76,300
81,550

► Delaware Income Limits

County Name
Median Income
1 family
2 family
3 family
4 family
5 family
6 family
7 family
Kent County
68,400
38,300
43,800
49,250
54,700
59,100
63,500
67,850
New Castle County
96,600
54,150
61,850
69,600
77,300
83,500
89,700
95,900
Sussex County
75,900
42,500
48,600
54,650
60,700
65,600
70,450
75,300

► West Virginia Income Limits

County Name
Median Income
1 family
2 family
3 family
4 family
5 family
6 family
7 family
Barbour County
50,000
30,750
35,150
39,550
43,900
47,450
50,950
54,450
Berkeley County
74,300
41,650
47,600
53,550
59,450
64,250
69,000
73,750
Boone County
50,300
30,750
35,150
39,550
43,900
47,450
50,950
54,450
Braxton County
55,900
31,300
35,800
40,250
44,700
48,300
51,900
55,450
Brooke County
62,400
36,500
41,700
46,900
52,100
56,300
60,450
64,650
Cabell County
59,100
33,150
37,850
42,600
47,300
51,100
54,900
58,700
Calhoun County
51,000
30,750
35,150
39,550
43,900
47,450
50,950
54,450
Clay County
55,700
34,100
38,950
43,800
48,650
52,550
56,450
60,350
Doddridge County
62,100
32,750
37,400
42,100
46,750
50,500
54,250
58,000
Fayette County
50,600
30,750
35,150
39,550
43,900
47,450
50,950
54,450
Gilmer County
52,300
30,750
35,150
39,550
43,900
47,450
50,950
54,450
Grant County
54,000
30,750
35,150
39,550
43,900
47,450
50,950
54,450
Greenbrier County
54,400
30,750
35,150
39,550
43,900
47,450
50,950
54,450
Hampshire County
83,400
44,450
50,800
57,150
63,450
68,550
73,650
78,700
Hancock County
62,400
36,500
41,700
46,900
52,100
56,300
60,450
64,650
Hardy County
49,500
30,750
35,150
39,550
43,900
47,450
50,950
54,450
Harrison County
77,600
41,650
47,600
53,550
59,450
64,250
69,000
73,750
Jackson County
58,800
32,950
37,650
42,350
47,050
50,850
54,600
58,350
Jefferson County
94,700
53,050
60,600
68,200
75,750
81,850
87,900
93,950
Kanawha County
55,700
34,100
38,950
43,800
48,650
52,550
56,450
60,350
Lewis County
51,600
30,750
35,150
39,550
43,900
47,450
50,950
54,450
Lincoln County
48,700
30,750
35,150
39,550
43,900
47,450
50,950
54,450
Logan County
53,300
30,750
35,150
39,550
43,900
47,450
50,950
54,450
McDowell County
34,000
30,750
35,150
39,550
43,900
47,450
50,950
54,450
Marion County
63,600
35,650
40,750
45,850
50,900
55,000
59,050
63,150
Marshall County
68,900
38,600
44,100
49,600
55,100
59,550
63,950
68,350
Mason County
52,900
30,750
35,150
39,550
43,900
47,450
50,950
54,450
Mercer County
53,200
30,750
35,150
39,550
43,900
47,450
50,950
54,450
Mineral County
61,900
40,800
46,600
52,450
58,250
62,950
67,600
72,250
Mingo County
43,100
30,750
35,150
39,550
43,900
47,450
50,950
54,450
Monongalia County
73,900
41,400
47,300
53,200
59,100
63,850
68,600
73,300
Monroe County
48,200
30,750
35,150
39,550
43,900
47,450
50,950
54,450
Morgan County
63,600
35,650
40,750
45,850
50,900
55,000
59,050
63,150
Nicholas County
53,700
30,750
35,150
39,550
43,900
47,450
50,950
54,450
Ohio County
68,900
38,600
44,100
49,600
55,100
59,550
63,950
68,350
Pendleton County
50,100
30,750
35,150
39,550
43,900
47,450
50,950
54,450
Pleasants County
59,700
33,400
38,200
42,950
47,700
51,550
55,350
59,150
Pocahontas County
58,200
32,600
37,250
41,900
46,550
50,300
54,000
57,750
Preston County
73,900
41,400
47,300
53,200
59,100
63,850
68,600
73,300
Putnam County
77,100
43,200
49,400
55,550
61,700
66,650
71,600
76,550
Raleigh County
54,300
30,750
35,150
39,550
43,900
47,450
50,950
54,450
Randolph County
55,800
31,300
35,750
40,200
44,650
48,250
51,800
55,400
Ritchie County
55,000
30,800
35,200
39,600
44,000
47,550
51,050
54,600
Roane County
48,700
30,750
35,150
39,550
43,900
47,450
50,950
54,450
Summers County
45,400
30,750
35,150
39,550
43,900
47,450
50,950
54,450
Taylor County
61,300
34,350
39,250
44,150
49,050
53,000
56,900
60,850
Tucker County
57,900
32,450
37,050
41,700
46,300
50,050
53,750
57,450
Tyler County
56,800
31,850
36,400
40,950
45,450
49,100
52,750
56,400
Upshur County
55,300
31,000
35,400
39,850
44,250
47,800
51,350
54,900
Wayne County
59,100
33,150
37,850
42,600
47,300
51,100
54,900
58,700
Webster County
44,600
30,750
35,150
39,550
43,900
47,450
50,950
54,450
Wetzel County
51,700
30,750
35,150
39,550
43,900
47,450
50,950
54,450
Wirt County
64,300
35,500
40,600
45,650
50,700
54,800
58,850
62,900
Wood County
64,300
35,500
40,600
45,650
50,700
54,800
58,850
62,900
Wyoming County
51,900
30,750
35,150
39,550
43,900
47,450
50,950
54,450

Prior to purchasing a house, applicants must undergo at least 4 hours of homeownership counseling, which must include a discussion of predatory financing.

Registration for the First Front Door program is required through a member bank or lender. The grant registration is valid for 6 months. To put it another way, get pre-approved and you'll have up to 6 months to find a house and close.

The First Front Door program Funding will open in March and close when funds are exhausted. Don’t wait, get registered, and start looking for your home now!

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