Phare

PHARE Down Payment Assistance

The Urban League of Greater Pittsburgh is committed to helping individuals and families overcome the financial barriers that often make homeownership seem out of reach. Through our partnership with the PHARE program, administered by the Pennsylvania Housing Finance Agency (PHFA), we provide down payment and closing cost assistance to eligible first-time homebuyers.

How PHARE Assistance Helps Homebuyers

Reduced Upfront Costs

Financial support helps minimize down payment and closing cost barriers for first-time buyers.

Expanded Buying Power

Assistance can make homeownership possible sooner and broaden the range of affordable housing options.

Support for Low-Income Households

Designed specifically for buyers at or below 50% AMI, ensuring help reaches those who need it most.

Guidance Through Every Step

Urban League counselors assist with budgeting, readiness, and navigating the homeownership process.

Making Homeownership More Accessible

Saving for a down payment is one of the biggest challenges aspiring homeowners face—especially for individuals working toward financial stability. The PHARE program helps bridge this gap by providing financial support to households that meet specific income and eligibility requirements.

This assistance makes the dream of owning a home more achievable for families who are prepared for homeownership but need help with upfront costs.

What Is the PHARE Program?

The Pennsylvania Housing Affordability and Rehabilitation Enhancement (PHARE) Fund was created to expand affordable housing opportunities across the state. Through this initiative, PHFA provides funding that the Urban League of Greater Pittsburgh can use to support local homebuyers.

Our partnership with PHARE enables us to offer financial assistance that reduces the burden of down payments and closing costs—critical steps toward securing a safe, stable home.

Down Payment Assistance Eligibility

PHARE assistance is designed for households who meet income requirements and have completed homeownership education and counseling through our program. To qualify, applicants must:

Meet income eligibility limits at or below 50% of the area median income (AMI)
Complete the PHFA-approved homebuyer workshop
Participate in one-on-one counseling with a HUD-certified Urban League counselor
Demonstrate readiness for homeownership based on credit, financial stability, and action-plan progress

Our team will review your eligibility, guide you through the application process, and help you understand how PHARE funds can support your home-buying journey.