URA Down Payment & Closing Cost Assistance

City of Pittsburgh / URA (Housing Opportunity Fund)

Available Home Repair

About This Program

URA Down Payment & Closing Cost Assistance is available to homeowners in Pittsburgh, PA.

0% interest deferred second mortgage for first-time homebuyers in Pittsburgh. Up to $7,500 if below 80% AMI (5-year deferred); up to $5,000 if 80-115% AMI (10-year deferred). No payments during deferred term if you remain owner-occupant.

First-time buyer, income below 115% AMI, Pittsburgh address

Official program page checked live on 2026-06-22.

Data last verified 2026-04-01. How we verify our data.

In Pittsburgh, PA, you can combine this program with other local help to cut your cost:

Key Details

  • Below 80% AMI: up to $7,500, 5-year deferred, 0% interest
  • 80-115% AMI: up to $5,000, 10-year deferred, 0% interest
  • Liquid assets may not exceed $20,000 after closing
  • Lender submits application on buyer's behalf

How to Apply

Get free help applying Visit Official Program Page Track this program

412-255-6694

A grant-savvy contractor in Pittsburgh, PA can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Pittsburgh early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Rolling, lender must apply 21+ business days before closing

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

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Frequently asked questions

How much can URA Down Payment & Closing Cost Assistance provide in Pittsburgh, PA?

Up to $7,500 (below 80% AMI) or $5,000 (80-115% AMI).

Who qualifies for URA Down Payment & Closing Cost Assistance in Pittsburgh?

URA Down Payment & Closing Cost Assistance is open to homeowners in Pittsburgh, PA.

How do I apply for URA Down Payment & Closing Cost Assistance in Pittsburgh, PA?

Apply directly with City of Pittsburgh / URA (Housing Opportunity Fund) using the official program link on this page or call 412-255-6694. There is no middleman and no fee.

Need a Contractor for This Grant?

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Find More Programs in Pittsburgh, PA

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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