Homebuyers Assistance

Can You Become a Home Owner?

The City offers a homebuyer assistance program to help income-eligible households become owner-occupants of single-family housing in the City of Williamsport.

Home Buyer Assistance GAP Financing Program

With Federal HOME funds, the City of Williamsport can help eligible households purchase a home in the City of Williamsport. A maximum of 20% of the purchase price is available as a 0% interest, deferred repayment loan. The following guidelines must be met.

  • the home must be located in the City of Williamsport Corporate limits
    the home must be a single-family unit
    the home must pass a city-safe occupancy inspection
  • applicant household adults must take a credit counseling class provided by a HUD Certified Agency and taught by a HUD Certified Counselor
  • the applicant must obtain the maximum private funding available (at least 80% of the purchase price) from private financing sources such as a bank or credit union… (Obtaining pre-approval of a first mortgage is recommended)
  • the applicant must contribute from their own savings at least 4% of the purchase price to the project
  • standard banking and credit inquiries are part of the City application process; credit status and income are verified and are an important consideration
  • city funds are available as a 0% interest, deferred repayment loan
  • the property must become and remain the buyer’s primary residence for the loan term


Credit status and household income are verified and are important considerations. Applicants (households) may not exceed the following HUD income limits.

To apply for the Homebuyer GAP Assistance program complete the Homebuyer Assistance Form, or contact the Community & Economic Development Office at (570) 327-7513.

Close Search Window