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Get Matched Free →Homebuyer Programs in Easton, PA (2026)
Easton is a historic city in Northampton County at the confluence of the Delaware and Lehigh rivers, forming part of the Lehigh Valley alongside Allentown and Bethlehem. With a median home price around $265,000, Easton offers an affordable entry point into one of Pennsylvania's most dynamic metro areas. First-time buyers can access up to $10,000 through the Northampton County First-Time Homebuyer Program, a forgivable loan that is completely forgiven after five years of owner-occupancy. The FHLBank Pittsburgh First Front Door Program offers up to $15,000 in grant assistance through participating lenders. At the state level, the PHFA K-FIT program provides up to 5% of the purchase price as a forgivable loan, and the HOMEstead program adds up to $10,000 more. By combining county, nonprofit, and state programs, Easton buyers could potentially stack over $35,000 in assistance.
Top Homebuyer Programs in Easton
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Northampton County First-Time Homebuyer Program | Forgivable Loan | Up to $10,000 | Yes | View → |
| FHA Loans | Government-Insured Mortgage | Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026) | No | View → |
| FHLBA Community Partners Product | Forgivable Loan | Up to $20,000 in home purchase assistance for down payment and closing costs | No | View → |
| FHLBA First Time Homebuyer Product | Forgivable Loan | Up to $17,500 in home purchase assistance for down payment and closing costs | Yes | View → |
| FHLBA Workforce Housing Plus+ | Forgivable Loan | Up to $15,000 in home purchase assistance for down payment and closing costs | No | View → |
| Good Neighbor Next Door (HUD) | Government Property Sale Program | 50% discount off the list price of HUD-owned homes | Yes | View → |
| Home Possible Mortgage (Freddie Mac) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HomeReady Mortgage (Fannie Mae) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HUD $100 Down Program | FHA-Financed HUD REO Purchase | Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs. | No | View → |
| USDA Rural Development Loans | Government-Guaranteed Mortgage | 100% financing (no down payment required); loan amount up to appraised value | No | View → |
| VA Loans | Government-Guaranteed Mortgage | No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026) | No | View → |
| FHLBank Pittsburgh First Front Door Program (Lehigh Valley) | Grant | Up to $15,000 grant | Yes | View → |
| Habitat for Humanity of the Lehigh Valley Homeownership Program | Zero-Interest Loan | Affordable no-interest mortgage on a Habitat-built or renovated home | No | View → |
| NACA Purchase Program | Zero-Interest Loan | No down payment, no closing costs, no PMI, no fees, and below-market fixed interest rate | No | View → |
| PHFA HFA Preferred Grant | Grant | $500 | No | View → |
| PHFA HOMEstead Program | Forgivable Loan | Up to $10,000 | Yes | View → |
| PHFA Keystone Advantage Assistance Loan | Zero-Interest Loan | Up to 4% of purchase price or market value, or $6,000, whichever is less | No | View → |
| PHFA Keystone Forgivable in Ten Years (K-FIT) | Forgivable Loan | 5% of the lesser of the purchase price or appraised value | No | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to $10,000
- First-time only:
- Yes
- Type:
- Government-Insured Mortgage
- Amount:
- Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $20,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $17,500 in home purchase assistance for down payment and closing costs
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $15,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Government Property Sale Program
- Amount:
- 50% discount off the list price of HUD-owned homes
- First-time only:
- Yes
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- FHA-Financed HUD REO Purchase
- Amount:
- Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- 100% financing (no down payment required); loan amount up to appraised value
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)
- First-time only:
- No
- Type:
- Grant
- Amount:
- Up to $15,000 grant
- First-time only:
- Yes
- Type:
- Zero-Interest Loan
- Amount:
- Affordable no-interest mortgage on a Habitat-built or renovated home
- First-time only:
- No
- Type:
- Zero-Interest Loan
- Amount:
- No down payment, no closing costs, no PMI, no fees, and below-market fixed interest rate
- First-time only:
- No
- Type:
- Grant
- Amount:
- $500
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $10,000
- First-time only:
- Yes
- Type:
- Zero-Interest Loan
- Amount:
- Up to 4% of purchase price or market value, or $6,000, whichever is less
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- 5% of the lesser of the purchase price or appraised value
- First-time only:
- No
How to Apply
- Step 1:
Check your eligibility. The Northampton County First-Time Homebuyer Program requires household income at or below 80% of the Lehigh Valley median income as set by HUD. You must be a first-time homebuyer or not have owned a home for at least three years.
- Step 2:
Complete homebuyer education. A free half-day HUD-certified Homebuyer Education Counseling Program is required before closing. Community Action Committee of the Lehigh Valley at 570-591-5700 offers HUD-approved housing counseling in the area.
- Step 3:
Apply for the Northampton County program. Contact the Northampton County Department of Community and Economic Development for the application. The program provides up to $10,000 as a forgivable, zero-interest second mortgage, forgiven at 20% per year over five years.
- Step 4:
Ask your lender about the First Front Door Program. The FHLBank Pittsburgh First Front Door Program offers up to $15,000 in grant assistance to qualified first-time buyers through participating financial institutions. Ask your lender if they participate.
- Step 5:
Get pre-approved with a PHFA-approved lender. A PHFA-approved lender can combine your first mortgage with state programs like K-FIT and HOMEstead for additional down payment assistance.
- Step 6:
Find a home and close. Your home must be in Northampton County for the county program. Work with your counselor and lender to submit all required documentation and coordinate program timelines.