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  • Household income cannot exceed 80% the median income of Dauphin County. The income limits are calculated for Fiscal Year 2012 by the U.S. Department of Housing and Urban Development (HUD).
Family Size Maximum Annual Income
* The income limits listed above are
adjusted yearly (fiscal year) by the
U.S. Department of HUD.
The program's income limits will adjust
accordingly to HUD's standards.
  • The applicant must be a first-time home buyer or not have owned a home within the last three years.
  • Applicants for any family size are eligible.
  • The house to be purchased must be located within Dauphin County. The applicant need not currently reside within Dauphin County. At no time during the term of residency shall the homeowner lease the premises or any portion thereof to any person or entity.
  • The applicant must contribute a minimum of 3% of the lesser of the purchase price or the appraised value or $1,000. (whichever is less) from the applicant's assets, which must be verified on the HUD1 settlement sheet. Items paid outside of closing may be used towards the minimum investment. These items may include, but not be limited to, application and appraisal fees, homeowners insurance, and earnest money deposits..
  • At the time of settlement, the buyer's liquid assets may not exceed the total of $5,000.00.
  • At completion of settlement, if the amount of the committed second or subordinated mortgage is $100 or more than actually required to achieve the purchase of the home and closing costs, then the entire excess amount will be paid to the County of Dauphin and returned to the pool.
  • In order to be selected, the applicant must need the second or subordinated mortgage in order to afford the house, but also must require assistance, which does not exceed the maximum second or subordinated mortgage amount of $3,000 other than through PHFA's Closing Cost Assistance Program.
  • Eligible applicants may be assisted by this program to purchase homes in Dauphin County.
  • Note that each lender may require that the applicant meet additional underwriting guidelines (e.g. length of employment, credit history, etc.) in order to qualify for a commitment of its First Mortgage.
  • Pennsylvania Housing Finance Agency (PHFA) offers a closing cost program (Lower Income Homeownership and Closing Cost Assistance Program) associated with this Program. Eligible borrowers, after they have received Dauphin County's $3,000, may receive as much as $2,000 toward closing costs.
  • There is a maximum house prise of $164,900.00. 
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