URA Down Payment & Closing Cost Assistance

City of Pittsburgh / URA (Housing Opportunity Fund)

Available Home Repair

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

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