Stability for your family
A home gives children roots, schools, and a neighborhood. No more lease renewals, rent hikes, or sudden moves.
Philadelphia, PA · Philly First Home Grant
Philadelphia is begging you to buy a HOME & giving away $10,000.00 to help you do it.
Turn your monthly rent into a foundation for your family thru HOMEOWNERSHIP thanks to the City of Philadelphia. See if you qualify for up to $10,000 in down-payment and closing-cost assistance through the Philly First Home Grant by signing up for a pressure free homeownership conversation.
Secure, no-obligation review 0% interest · forgivable Available for all buyers in Philadelphia County
More homeownership
Why Philadelphians should strengthen their families through homeownership.
Homeownership is not just a transaction — it is a decision to build safety, wealth, and legacy for the people you love most. Families who start the conversation today are the ones holding keys this year; the ones who wait are still signing leases.
Predictable payments
A fixed mortgage protects your budget from rising rents. You control your monthly housing cost, not a landlord.
Wealth that grows
Every payment builds equity. Over time, Philadelphia homeownership becomes a financial foundation for the next generation.
Own where you live
Philadelphia wants homeowners. The city is investing $10,000 per qualified buyer to help families put down roots here.
The wealth gap
Every rent check is a payment on someone else's asset.
Ownership is the single largest driver of household wealth in Philadelphia. The grant exists to remove the one barrier that keeps qualified renters out — and the only thing standing between you and $10,000 is a five-minute conversation.
Rent Checks Don't Build Equity
At $1,800/mo, you spend $21,600 a year without gaining ownership. That same payment can build family wealth.
$0spent per year renting at $1,800/mo — building zero equity.
Break the Down Payment Wall
The grant provides the upfront liquidity your family needs to finally own instead of renew.
An Asset That Appreciates
Philadelphia home equity becomes a foundation for the next generation — not a landlord's balance sheet.
Program parameters
The grant, stated plainly.
No fine-print surprises. These are the factual terms that determine whether the Philly First Home Grant fits your purchase.
Funds are limited and allocated per fiscal cycle.
- Parameter 01
Up to $10,000
Or 6% of the purchase price — whichever is lower.
- Parameter 02
0% interest, forgivable
A deferred loan, 100% forgiven after 15 years as your primary residence.
- Parameter 03
Property types
Single-family homes and duplexes only. Condominiums are NOT eligible.
- Parameter 04
90% qualify
90% of people who are pre-approved for a mortgage qualify for the Philly Homeownership Grant.
- Parameter 05
Philadelphia County only
This Grant is available for ALL people buying a home within Philadelphia County.
Success stories
Neighbors who stopped renting — and started owning.
They started with one pressure-free conversation. Their lender and realtor teams handled the rest — and today their monthly payment builds their own equity, not a landlord's.
Sarah J.
West Philly
“I thought I needed 20% down. The grant covered $10,000 of it. My lender walked me through every number and my realtor found the house in three weeks.”
Marcus & Elena T.
Mount Airy
“The counseling session taught us more than a year of research. The grant covered our closing costs and the team never once pressured us.”
Danielle R.
Point Breeze
“One conversation and I knew exactly where I stood. My rent was higher than the mortgage I qualified for — I closed 60 days later.”
Sarah J.
West Philly
“I thought I needed 20% down. The grant covered $10,000 of it. My lender walked me through every number and my realtor found the house in three weeks.”
Marcus & Elena T.
Mount Airy
“The counseling session taught us more than a year of research. The grant covered our closing costs and the team never once pressured us.”
Danielle R.
Point Breeze
“One conversation and I knew exactly where I stood. My rent was higher than the mortgage I qualified for — I closed 60 days later.”
Andre W.
Kensington
“The lending team pre-approved me in two days and explained the forgivable loan clearly. No jargon, no hidden fees, just answers.”
Priya & Nikhil S.
Fishtown
“Our realtor knew which blocks fit our budget and which properties qualified. We stopped renting and started building equity for our daughter.”
Tanya B.
Germantown
“I almost didn't apply because I assumed I earned too much. I qualified, and the $10,000 became the down payment I never thought I'd have.”
Andre W.
Kensington
“The lending team pre-approved me in two days and explained the forgivable loan clearly. No jargon, no hidden fees, just answers.”
Priya & Nikhil S.
Fishtown
“Our realtor knew which blocks fit our budget and which properties qualified. We stopped renting and started building equity for our daughter.”
Tanya B.
Germantown
“I almost didn't apply because I assumed I earned too much. I qualified, and the $10,000 became the down payment I never thought I'd have.”
Your next steps
Three steps, in the right order.
Most buyers finish step one in under two minutes. Do them in order and the $10,000 stays on the table — skip a step and you can lose it.
Step 1
Qualify
Complete the secure assessment below to have your eligibility reviewed — free, and with no impact on your credit.
Step 2 · Critical
Counseling before you sign
You must complete a free, 1-on-1 City-funded counseling session BEFORE signing an Agreement of Sale. Signing first can disqualify you from the grant.
Step 3
Pair & buy
Get matched with licensed local lender and realtor teams, and close on your Philadelphia home with the grant applied at settlement.
Pressure free review
Start your homeownership conversation.
This Grant is available for ALL people buying a home within Philadelphia County. Answer a few questions so a licensed specialist can review your eligibility.
Grant funds are distributed on a first-come, first-served basis. Secure your eligibility review below.
Step 1 of 4
The basics
So we can reach you about your review.
Fiscal cycle allocation
Give Your Family the Stability They Deserve.
Philadelphia is giving qualified buyers up to $10,000 to buy a home. City grant funds are allocated per fiscal cycle — and every month you wait is another rent check you never get back. It takes two minutes, costs nothing, and there is zero obligation.
Schedule your pressure free homeownership conversation todayFAQ
Questions worth answering before you offer.
This Grant is available for ALL people buying a home within Philadelphia County. You must meet income, asset, credit, and first-time-buyer requirements, and the home must be a single-family home or duplex that will serve as your primary residence.