The City of Philadelphia wants you to be a successful homeowner!

We are offering a homebuyer assistance grant of up to $10,000 (or 6% of the home’s purchase price, whichever is lower) to assist first-time homebuyers reduce the principal, cover down payment and loan closing costs.

To be eligible you must complete a FREE City-funded homeownership counseling program before you sign an Agreement of  Sale.  Homeownership counseling successfully prepares borrowers for this big life decision. In homeownership counseling, you will learn about:

  • Purchasing a home within your budget
  • Avoiding dangerous mortgages
  • Rights and responsibilities of homeowners
  • Mortgage application/purchase processes
  • Improving credit, credit repair and maintenance
  • Money management
  • Home maintenance
  • Avoiding foreclosure
  • Deeds and other legal housing documents

What type of property is eligible?

The property must be a single-family home or duplex located in Philadelphia (no condominiums).


Who is eligible?

  • You must be a first-time buyer
  • You must complete one-on-one homeownership counseling through a City-funded housing counseling agency before signing an Agreement of Sale.
  • You must be income eligible (see chart below).

Income Guidelines

Household SizeMaximum Annual Household Income

(Income guidelines subject to change)
This program and grant is restricted to households at or below 120% of AMI.

For additional housing information, visit  or call 215-686-9749.