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Philly First Home

Administered by:
City of Philadelphia Division of Housing and Community Development (DHCD)
 · City · Forgivable Loan
Funding status: Active

How much assistance

Up to $10,000 or 6% of purchase price, whichever is less
Forgivable after 15 years of owner-occupancy. Must repay if you move or refinance before 15 years.

Eligibility

  • Income limits: Must meet income eligibility requirements set by the City of Philadelphia.
  • First-time buyer required: Yes — Must not have owned a home in the past 3 years.
  • Geographic restrictions: Property must be a single-family home or duplex located in Philadelphia. Condominiums are not eligible.
  • Homebuyer education required: Yes

How to Apply for Philly First Home

Complete a free City-funded homeownership counseling program before signing an Agreement of Sale. Contact the Philadelphia Housing Development Corporation (PHDC) or a city-funded housing counseling agency. Your lender can also help connect you with the program.

Learn More About Homebuying Assistance

Cities Where This Program Is Available (1 city across 1 state)

Pennsylvania (1 city)