FIRST FRONT DOOR
Supporting member mortgage lending to first-time home buyers through down payment and closing cost assistance
2015 FFD opened May 27 with the launch of our new automated reservation and reimbursement system, FFD Online! To learn more about the program, please review the materials listed under Program Resources.
What is First Front Door?
Through First Front Door (FFD), FHLBank members can open the door for first-time homebuyers. With FFD grants, the Bank will match the qualified homebuyer’s contribution 3-to-1. For every $1 of contribution the homebuyer makes, the Bank will provide $3 in grant assistance, up to a maximum of $5,000.
FFD benefits to FHLBank members:
- Enhances first-time homebuyer products
- Improves market competitiveness
- Strengthens member underwriting
- Provides CRA credit
- Empowers first-time homebuyers, deepening banking relationships
Who qualifies for FFD funding?
Qualified first-time homebuyers can use FFD grants toward down payment and closing costs. Each prospective homebuyer must:
- Be a first-time homebuyer (not owned a home within the past three years or owned a home only while married but not as a single person within the past three years – this includes a married couple if either has not owned a home within the past three years)
- Contribute personal funds as part of the down payment and closing costs
- Have household income at or below 80 percent of the area median income at the time of registration
- Complete at least four hours of homeownership counseling, including the topic of predatory lending, prior to the purchase of the home
- If a student, work at least 30 hours a week
- Retain the home for five years to avoid having to repay any portion of the grant – an FFD mortgage and note are required as part of the original mortgage documentation
• Rural Housing Service
Single Family Housing Repair Loans & Grants
What does this program do?
Also known as the Section 504 Home Repair program, this
provides loans to very-low-income homeowners to repair,
improve, or modernize their homes or provides grants to
elderly very-low-income homeowners to remove health and
Who may apply for this program?
To qualify, you must:
• Be the homeowner and occupy the house
• Be unable to obtain affordable credit elsewhere
• Have a family income below 50 percent of the area
• For grants, be age 62 or older and not be able to
repay a repair loan
What is an eligible area?
Applicants may check the address of their home to determine
How may funds be used?
• Loans may be used to repair, improve, or modernize
homes or to remove health and safety hazards.
• Grants must be used to remove health and safety
How much money can I get?
• Maximum loan is $20,000.
• Maximum grant is $7,500.
• Loans and grants can be combined for up to $27,500
What are the terms of the loan or grant?
• Loans can be repaid over 20 years.
• Loan interest rate is fixed at 1%.
• Full title service is required for loans of $7,500 or
• Grants have a lifetime limit of $7,500.
• Grants must be repaid if the property is sold in less
than 3 years.
• If applicants can repay part, but not all of the
costs, applicants may be offered a loan and grant
Is there a deadline to apply?
• Home loans are available year round as long as
funding is available.
• Home loan applications are processed in the order
they are received.
How long does an application take?
Approval times depend on funding availability in your area.
Talk to a USDA home loan specialist in your area for help
with the application.
Who can answer questions, and how do I get started?
Westmoreland Area Office
214 Donohoe Road, Suite A
Greensburg, PA 15601-7552
(724) 853-5555, ext. 4 (Phone)
(724) 837-9762 (Fax)Serving Blair, Cambria, Fayette, Somerset, and Westmoreland Counties.Gary Reed
Rural Development Coordinator (724) 853-5555, ext. 126Jill Crowe
Area Technician (724) 853-5555, ext. 122Karen Kuhns
Area Specialist (724) 853-5555, ext. 128Lucinda Dietz
Area Specialist (724) 853-5555, ext. 121Mary McDaid
Area Technician (724) 853-5555, ext. 120
What governs this program?
• The Housing Act of 1949 as amended, 7 CFR Part
• HB-1-3550 - Direct Single Family Housing Loans and
Grants Field Office Handbook
Why does USDA Rural Development do this?
Helping people stay in their own home and keep it in good
repair helps families and their communities. Homeownership
helps families and individuals build savings over time. It
strengthens communities and helps many kinds of businesses
that support the local economy.
NOTE: Because citations and other information may be subject to change please always consult the program instructions
listed in the section above titled “What Law Governs this Program?” You may also contact your local office for assistance
Telephone Assistance Programs to Get (or Stay) Connected
Telephone assistance programs are available for consumers with limited incomes. Programs are available to help keep telephone service connected, reduce monthly phone bills, help pay connection fees and avoid shutoffs. Eligibility is determined based on your income or participation in other assistance programs. Remember, when you are seeking telephone assistance, each telephone company and/or program has different eligibility requirements, different benefits and different restrictions. Some programs have restrictions on the optional services available to participants. Please contact your local telephone company if you wish to participate in any of the telephone assistance programs.
Wireless Lifeline Providers
) - A chart that lists the wireless telephone companies that provide Lifeline discounts in Pennsylvania through the federal Lifeline program. The chart describes and highlights each wireless company's service plan options.
- Lifeline and Link-Up information for all participating telephone companies in 2012 and 2013.
Do Not Call Lists
Do Not Call Lists
Link to place your name on the state "Do Not Call" list. Pennsylvanians will be able to eliminate many unwanted telemarketing phone calls. The Office of the Attorney General is providing several convenient enrollment options that will speed the process and make it easy to sign up.
Property Tax/Rent Rebate Program
The rebate program benefits eligible Pennsylvanians age 65 and older; widow and widowers age 50 and older; and people with disabilities age 18 and oler. More information is available by visiting www.revenue.state.pa.us or by calling 1 888 222 9190.
Connellsville Area Community Ministries
110 West Crawford Avenue
Connellsville, PA 15425
724 626 1120
West Crawford Avenue and First Street
Connellsville, PA 15425
724 628 2010
Fayette County Community Action Agency
108 N Beeson Blvd, Uniontown, PA 15401
724 437 6050
LIHEAP (Utility Assistance Programs--Electric & Gas)
West Penn Power 1 800 207 1250
Columbia Gas 1 800 537 7431
Water 1 888 282 6816
AmericCorps 202 606 5000
717 787 1971
Pennsylvania Housing Finance Agency
1 800 822 1174
Single Family Home Ownership Programs
Access Home Modification Program
Closing Cost Assistance Loan Program
Renovate & Repair
Energy Efficiency Loan Program