First Front Door Program

The 2017 First Front Door Program closed at 8 a.m. July 3, 2017. Information about the 2018 funding round will be updated in January.

Buying your first home? Want to get up to $5,000 in cash for down payment and closing costs? PFCU offers a first-time homebuyer grant program funded by FHLBank of Pittsburgh.

Through the First Front Door (FFD) Program, qualified homebuyers can receive a 3-to-1 matching contribution. For every $1 you contribute, you can receive $3 in grant assistance, up to a maximum of $5,000.

Who Qualifies for First Front Door?

To qualify for the First Front Door program, you must:

  • Be a first-time homebuyer obtaining a conventional mortgage (which means you haven't owned a home within the past three years, or you owned a home only while married but not as a single person within the last three years. This includes a married couple if either has not owned a home in the past three years)
  • Contribute to the down payment and closing costs
  • Have a household income 80 percent or lower compared to the area median income determined by HUD
  • Not be a student working less than 30 hours per week
  • Complete at least four hours of home ownership counseling through a HUD approved counselor, including a discussion on predatory lending
  • Own the home for at least five years after the grant. If you sell before the end of the five years, a portion of the grant may require repayment.

Benefits of First Front Door Program

By receiving a First Front Door grant as a first-time homebuyer, you will receive:

  • Enhanced first-time homebuyer products
  • More competitive local housing market
  • CRA Credit
  • Stronger banking relationship

How does First Front Door Work?

Homebuyers must complete a 6-step process to receive a FFD grant:

  • Meet with your local PFCU Mortgage Representative to discuss eligibility
  • Representative and homebuyer collect financial information and submit FFD registration request
  • FHLBank will process and approve the request within 10 days
  • Prospective homebuyer will buy their home within six months, after attending counseling
  • First mortgage and eligible grant amount is provided to the homebuyer

Visit FirstFrontDoor or FHLBank to learn more about the grant and eligibility.

Applying for First Front Door

Contact a PFCU Mortgage Representative at 215-934-3505.

Additional Resources