1st Home Allegheny Program
Now Accepting Applications
The 1st Home Allegheny Program helps eligible first-time homebuyers purchase a home in Allegheny County by providing loan assistance of $10,000 or $45,000, depending on household income.
The program is funded through $2.6M from the Allegheny County Residential Finance Authority and may be used to cover closing costs and the down payment.
The first step to apply is to complete an application with one of the participating lending institutions.
Program Guidelines and Eligibility
Applicants must meet the requirements including and not limited to the following:
- Must be in Allegheny County (excluding the City of Pittsburgh)
- First-time homebuyers (not owned a home in the last 3 years)
- Household income below 80% or 115% of Area Median Family Income
- Pre-approved for a primary mortgage
- Contribute minimum $1,000 or 1% of purchase price
- Maintain less than $40,000 in non-excluded assets
- Complete a HUD-certified homebuyer education program
- Have a minimum of two months worth of mortgage payments in reserve
2025 Income Limits
| Household Size |
$45,000 Loan Income Limits* |
$10,000 Loan Income Limits** |
| 1 |
$60,100 |
$86,480 |
| 2 |
$68,700 |
$98,785 |
| 3 |
$77,300 |
$111,090 |
| 4 |
$85,850 |
$123,395 |
| 5 |
$92,750 |
$123,395 |
| 6 |
$99,600 |
$123,395 |
| 7 |
$106,500 |
$123,395 |
| 8 |
$113,350 |
$123,395 |
| * Area Median Income, adjusted by household size, for Pittsburgh Metropolitan Statistical Area. Source: U.S. Department of Housing and Urban Development. |
| ** Median Family Income (MFI) for Pittsburgh Metropolitan Statistical Area. Funding source limits are 100% of MFI for one or two person household; 115% for three or more person household. |
Loan Structure
- Administered by the Allegheny County Residential Finance Authority
- Loan Cap: $10,000 or $45,000 based on household income
- Loan Type: Forgivable loan
- Loan Term: 6 years
- Use: Closing costs and down payment
- Position: Subordinate to the bank loan
Questions and Assistance
For general questions about the program or for more information, please contact:
Nathan Wetzel, Allegheny County Economic Development
412-350-3724
Email
ACTION-Housing, Inc.
Email
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