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Pennsylvania program

1st Home Allegheny Program

Pennsylvania route through Allegheny County Economic Development / Allegheny County Residential Finance Authority. This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.

0% subordinate county loan with sliding forgiveness Check official rules 2026-04-21
Agency Allegheny County Economic Development / Allegheny County Residential Finance Authority
Support type 0% subordinate county loan with sliding forgiveness
Amount highlight Current Allegheny County Phase 2 materials describe fixed 0% subordinate loans of $45,000 for buyers at or below 80% AMI and $10,000 for middle-income buyers, with funds covering closing costs first and then down payment up to the program cap.
Last verified 2026-04-21

Use carefully

Current forgiveness term conflicts with older launch materials

This page stays public because the official structure is still useful, but these details should not be flattened into fake certainty.

The strongest current county source is the 2026 Phase 2 guidelines, which describe a 15-year sliding forgiveness structure. Older 2025 launch materials and the old checklist still reference a six-year occupancy payoff trigger.

Decision-ready public facts

What stays free on this program page

Quick answer from published facts. Use this first, then jump to Go to Pennsylvania program hub if you need the wider state context.

Amount

Current Allegheny County Phase 2 materials describe fixed 0% subordinate loans of $45,000 for buyers at or below 80% AMI and $10,000 for middle-income buyers, with funds covering closing costs first and then down payment up to the program cap.

Type

0% subordinate county loan with sliding forgiveness

Repayment

The current 2026 Phase 2 guidelines describe a 0% subordinate county loan with a 15-year sliding forgiveness schedule and a 2% origination fee. The unforgiven balance remains due if the home is sold or no longer owner-occupied before the current forgiveness schedule runs out. Older 2025 launch materials and the old eligibility checklist still reference a six-year occupancy trigger, so current public detail should note that official-term conflict and prioritize the 2026 guidelines.

First-time buyer

Required

Program guide

What to know before you click through

This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.

Who qualifies?

First-time homebuyers, Households at or below 115% MFI, Buyers purchasing outside Pittsburgh in Allegheny County

What support do you get?

Current Allegheny County Phase 2 materials describe fixed 0% subordinate loans of $45,000 for buyers at or below 80% AMI and $10,000 for middle-income buyers, with funds covering closing costs first and then down payment up to the program cap.

Do you repay it?

The current 2026 Phase 2 guidelines describe a 0% subordinate county loan with a 15-year sliding forgiveness schedule and a 2% origination fee. The unforgiven balance remains due if the home is sold or no longer owner-occupied before the current forgiveness schedule runs out. Older 2025 launch materials and the old eligibility checklist still reference a six-year occupancy trigger, so current public detail should note that official-term conflict and prioritize the 2026 guidelines.

How do you apply?

Start with a participating lender, complete HUD-certified homebuyer counseling, meet ACTION-Housing and ACRFA review requirements, and submit the dated sales agreement plus lender package for county approval before closing.

Official source evidence

Current county Phase 2 materials describe 0% subordinate loans of $45,000 or $10,000, HUD-certified counseling, participating lenders, and a current 15-year sliding forgiveness schedule.

View official source

Last verified

2026-04-21

2026-04-21

Paid preview

What paid access adds for 1st Home Allegheny Program

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Comparison preview

1st Home Allegheny Program

Amount: Current Allegheny County Phase 2 materials describe fixed 0% subordinate loans of $45,000 for buyers at or below 80% AMI and $10,000 for middle-income buyers, with funds covering closing costs first and then down payment up to the program cap.

Repayment: The current 2026 Phase 2 guidelines describe a 0% subordinate county loan with a 15-year sliding forgiveness schedule and a 2% origination fee. The unforgiven balance remains due if the home is sold or no longer owner-occupied before the current forgiveness schedule runs out. Older 2025 launch materials and the old eligibility checklist still reference a six-year occupancy trigger, so current public detail should note that official-term conflict and prioritize the 2026 guidelines.

First-time buyer: Required

Risk checks preview

What gets flagged before you call a lender

  • 1st Home Allegheny Program requires a participating lender.
  • 1st Home Allegheny Program must be paired with a specific first mortgage.

Lender questions preview

Questions tied to this exact path

  • Is your team approved to originate 1st Home Allegheny Program for this household and loan setup?
  • Which first-mortgage product must be paired with 1st Home Allegheny Program, and what breaks eligibility?

Action checklist preview

What you would do next

  • Confirm the first-time buyer definition before you apply
  • Review the official Allegheny County 1st Home Allegheny page for 1st Home Allegheny Program
Open the full Pennsylvania board

Paid research preview

What paid research already covers in Pennsylvania

Paid research already tracks city and county programs, employer-assisted paths, specialty and conditional paths for Pennsylvania.

7 tracked deeper records

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What unlocks after payment

Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.

2 tracked

city and county programs

City and county down payment or closing-cost programs that never make it into the free statewide layer.

1 tracked

employer-assisted paths

Employer-linked housing incentives and workforce programs that matter only if they fit your job or agency.

4 tracked

specialty and conditional paths

Conditional, paused, or specialty paths worth checking before you assume the state is a dead end.

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Private workspace

What paid access adds after the free facts

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If the public facts still look relevant, paid access is where you decide whether this path is stronger than your fallback and what to do next.

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Full state board

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