Many state and national programs like the ones listed below exist to help 1st time Home Buyers to purchase a home or finance closing costs. 
 
The Pennsylvania Keystone Home Loan Program: The Keystone Home Loan has the fewest eligibility requirements and the highest income and purchase price limits. You don't even have to be a first-time homebuyer if you are buying a home in a ’Targeted’ area. These areas are indicated on the list of income and purchase price limits. First-time buyers may apply to receive up to $1,500 in assistance in the form of a zero percent interest loan that does not require repayment until the buyer pays off or refinances the Keystone Home Loan first mortgage, or sells the home.

The HOMEstead Down Payment and Closing Cost Assistance Loan: Homebuyers eligible for the HOMEstead program may qualify for up to $14,999 in downpayment and closing cost assistance in the form of a no-interest, second mortgage loan.

My Community Loan Program: Loans under the My Community Initiative offer home buyers and home owners fewer eligibility restrictions, and several loan options. These programs are often great for first time homebuyers. The My Community Loan Programs also allow for reduced PMI premiums in some cases as well. This reduces your monthly mortgage payment significantly if you qualify.

MyCommunity Mortgages are also available for refinance loans in which only the Rate and Term of the loan is changed with less than $2,500 cash out.

My Community programs offer much more flexible underwriting guidelines, especially in regards to credit score and down payment requirements. The My Community Loan Programs offer 100% and 97% loan to value programs, which means that they have 0 down and 3% down programs available. These programs usually do not require any borrower contributions of money put into the transaction which many other conforming programs will require at least $500 of the borrower's own funds.

To qualify for a MyCommunity mortgage, the borrowers' income may not exceed the program's income limit. However, for homes located in neighborhoods designated as "underserved," there is no income limit.

MyCommunity mortgage programs are avilable with a variety of options which are designed to address several of the most common obstacles homeowners face when buying a home:

MyCommunity Addresses Common Obstacles to Home Ownership:
- MyCommunity mortgages have options to help minimize or alternatively document Cash for Down Payment and closing costs
- MyCommunity mortgages allow for more flexibility when qualifying for the minimum payment on the new home loan using your income
- MyCommunity mortgages allow borrowers to have lower minimum credit scores than most other home loan programs

If you are in the Health Profession, Educational Profession, and Protect and Serve your Community. My Community has some special incentives for you. Fixed rates can be 30 year, 30 year interest only, and 40 year term as well. Call [call] to find out how this product can get you prequalified for a home today.

2-4 Unit properties are considered under the My Community Program with as little as 3% down. The property must be owner-occupied to qualify.