URA Down Payment & Closing Cost Assistance

About This Program

0% interest deferred second mortgage for first-time homebuyers in Pittsburgh. Up to $7,500 if below 80% AMI (5-year deferred); up to $5,000 if 80-115% AMI (10-year deferred). No payments during deferred term if you remain owner-occupant.

First-time buyer, income below 115% AMI, Pittsburgh address

Key Details

• Below 80% AMI: up to $7,500, 5-year deferred, 0% interest
• 80–115% AMI: up to $5,000, 10-year deferred, 0% interest
• Liquid assets may not exceed $20,000 after closing
• Lender submits application on buyer's behalf

How to Apply

Deadline: Rolling — lender must apply 21+ business days before closing