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Pennsylvania program

Down Payment and Closing Cost Assistance Program

Pennsylvania route through Urban Redevelopment Authority of Pittsburgh. 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% deferred second with forgiveness schedule Check official rules 2026-04-20
Agency Urban Redevelopment Authority of Pittsburgh
Support type 0% deferred second with forgiveness schedule
Amount highlight Current URA materials say buyers below 80% AMI can receive up to $7,500, while buyers from 80% to 115% AMI can receive up to $5,000.
Last verified 2026-04-20

Use carefully

Amount and forgiveness schedule depend on AMI band

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

The higher $7,500 cap applies only below 80% AMI. Buyers from 80% to 115% AMI follow a different $5,000 / 10-year schedule.

Decision-ready public facts

What stays free on this program page

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Amount

Current URA materials say buyers below 80% AMI can receive up to $7,500, while buyers from 80% to 115% AMI can receive up to $5,000.

Type

0% deferred second with forgiveness schedule

Repayment

URA's current guidelines describe two 0% deferred second-lien paths. Buyers below 80% AMI receive a 5-year deferred loan that is fully forgiven after five years of continued primary residency. Buyers from 80% to 115% AMI receive a 10-year deferred loan forgiven at 10% per year. If the home is sold, transferred, or no longer owner-occupied before the term ends, the unforgiven balance becomes due. URA also charges a 2% closing fee on the URA loan amount.

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 up to 115% AMI, Buyers purchasing a primary residence in Pittsburgh

What support do you get?

Current URA materials say buyers below 80% AMI can receive up to $7,500, while buyers from 80% to 115% AMI can receive up to $5,000.

Do you repay it?

URA's current guidelines describe two 0% deferred second-lien paths. Buyers below 80% AMI receive a 5-year deferred loan that is fully forgiven after five years of continued primary residency. Buyers from 80% to 115% AMI receive a 10-year deferred loan forgiven at 10% per year. If the home is sold, transferred, or no longer owner-occupied before the term ends, the unforgiven balance becomes due. URA also charges a 2% closing fee on the URA loan amount.

How do you apply?

Complete a HUD-certified first-time homebuyer course, work with a lender on the first mortgage, and have the lender submit the URA application package at least 21 business days before closing. The buyer must purchase an existing or newly constructed home in Pittsburgh as a primary residence.

Official source evidence

The current URA page and 2025 flyer say the program offers up to $7,500 below 80% AMI or up to $5,000 from 80% to 115% AMI. The current guidelines describe 0% deferred loans with 5-year or 10-year forgiveness schedules, and the application says the lender must submit the package at least 21 business days before closing.

View official source

Last verified

2026-04-20

2025

Paid preview

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Comparison preview

Down Payment and Closing Cost Assistance Program

Amount: Current URA materials say buyers below 80% AMI can receive up to $7,500, while buyers from 80% to 115% AMI can receive up to $5,000.

Repayment: URA's current guidelines describe two 0% deferred second-lien paths. Buyers below 80% AMI receive a 5-year deferred loan that is fully forgiven after five years of continued primary residency. Buyers from 80% to 115% AMI receive a 10-year deferred loan forgiven at 10% per year. If the home is sold, transferred, or no longer owner-occupied before the term ends, the unforgiven balance becomes due. URA also charges a 2% closing fee on the URA loan amount.

First-time buyer: Required

Risk checks preview

What gets flagged before you call a lender

  • Down Payment and Closing Cost Assistance Program must be paired with a specific first mortgage.

Lender questions preview

Questions tied to this exact path

  • Which first-mortgage product must be paired with Down Payment and Closing Cost Assistance Program, and what breaks eligibility?
  • Which events trigger repayment for Down Payment and Closing Cost Assistance Program: transfer?

Action checklist preview

What you would do next

  • Confirm the first-time buyer definition before you apply
  • Review the official URA down payment and closing cost assistance page for Down Payment and Closing Cost Assistance 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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