First Front Door Program

Assistance programs unlock doors for first-time homebuyers.

Grants can help cover down payments and closing costs.

There are very few things in life more exciting than getting a home of your own. But saving enough cash to cover all the upfront costs can be a heavy lift. At Philadelphia Federal Credit Union, we try to lighten the financial burden by linking eligible buyers with two popular programs that provide grants of up to $15,000 or $20,000.

Please note, funding rounds typically open each Spring and are available until funds are exhausted. Updates will be provided on this page.

First Front Door

• Funded through FHLBank of Pittsburgh
• Homebuyers who contribute a minimum of $1,500 can receive a grant up to $15,000

Qualification Guidelines

• Program is for first-time homebuyers obtaining a conventional mortgage from PFCU
• Also eligible: People who haven't owned a home within the past three years, and those who owned a home 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.
• You must contribute personal funds as part of the down payment and closing costs
• Have household income at or below 80 percent of the area median income at the time of registration
• Complete at least four hours of homeownership counseling prior to the purchase of the home. Predatory lending must be one of the topics covered.
• If a student, work at least 30 hours a week
• Close your mortgage with the lender that received approval from Federal Home Loan Bank for First Front Door grant

First Front Door Keys to Equity Program

• Program funded by FHLBank of Pittsburgh
• Qualified minority and first-generation home buyers who contribute a minimum of $1,000 can receive a grant up to $20,000

Qualification Guidelines

• You must be a first-time homebuyer and identify as a minority and/or first-generation homebuyer, as defined by FHLBank Pittsburgh
• Contribute personal funds as part of the down payment and closing costs
• Have household income at or below 120% of the area median income at the time of registration
• Complete at least four hours of homeownership counseling prior to the purchase of the home. Predatory lending must be one of the topics covered.