Home Ownership Programs

  1. FIRST TIME HOMEBUYERS

Borough of State College First-Time Home Buyer Program (FTHB) 

The Borough of State College First-Time Home Buyer Program (FTHB) Program offers mortgage and closing cost assistance to both low/moderate and middle-income households to purchase a home in the Borough of State College. This may translate into a mortgage at a monthly cost equal to or lower than rent. 

Qualifying home-buyers are offered free home-buyer education and budget counseling to help them every step of the way. 

Income Qualifications 

Please see the income guidelines 2024 (PDF) for more information on income qualifications for these programs. 

Applications may also be accepted from those with excellent credit with household incomes that are just under the minimum income limit. 

Learn more about our home ownership programs in the Borough by visiting the website for State College Community Land Trust (SCCLT) and The HOME Foundation (THF).

Sequence of Events 

The FTHB Program follows this sequence of events. The First step would be to contact The HOME Foundation to schedule the first appointment with a HUD-Certified Housing Counselor. View the sequence of events: Sequence of Events ADOPTED 01-2025 (2).pdf

Contact Us 

Contact the Community Development and Housing Division at 814-234-7109 or by email the Planning Department to find out more information about these programs. 

  1. HOMEOWNERS REHAB

The Community Development and Housing Division of the Planning Department has a leadership role in the development of affordable housing within the Borough of State College. 

Additionally, the State College Community Land Trust (SCCLT) and The HOME Foundation (THF) also provide opportunities for home buyers to purchase a home in the Borough of State College.