Pennsylvania Homebuyer Assistance


Housing Authority of the City of Pittsburgh (HACP)



  • Must be a first time homebuyer
  • Must purchase a home within the City of Pittsburgh
  • One or more adults in the household must have a minimum annual income of $17K a year and must be working full time
  • Families with elderly or disabled head of households must have a minimum annual income of $17K but are not required to work full time
  • Must attend and complete a homeownership counseling program

-Buyers can receive closing cost assistance up to $8K and an estimated soft second mortgage amount of up to $20K.  The soft second mortgage is a forgivable mortgage with no monthly payment provision and a term of only 10 years.  If the Buyer is eligible for a soft second mortgage, they must utilize the full amount of their pre-qualified first mortgage prior to applying the soft second mortgage to increase their purchase capacity when placing an offer to purchase a home.

-Buyer must pay the prepaid city, county and school taxes due at closing.  Buyer is required to pay at least 1% of the purchase price from their own reserve funds.


Pittsburgh Home Ownership Program (PHOP)


Provides fixed, low interest, 30-year mortgage loans for low to moderate income homebuyers.  Low downpayment requirement of 3.5%.  Help with downpayment and closing costs provided, up to $3K.  Income limits for up to 2 people  in a program area is $65,100 and for 3 or more people, the income limit is $74,900.


Urban Redevelopment Authority of Pittsburgh

Community Acquisition & Rehabilitation Loan Program (CARL) – A Pilot Program


Borrower requirements:

  • No income guidelines
  • Must be owner occupied
  • Minimum credit score of 620
  • Front and back end ratios of 31/43
  • Homebuyer classes required for the first time homebuyers and those with a credit score under 700


CARL facts:

  • Must be located in targeted census tracts
  • No mortgage insurance
  • Interest rate is based on the Fannie Mae 30-year, 60-day mortgage rate plus 1%
  • 5% downpayment
  • 6% of seller’s assist toward the purchase price
  • Maximum loan is $300K; if the loan amount is greater than $233K, additional equity will be required
  • Rehabilitation amount must be at least $25K or 25% of the completed loan package
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