Government Programs


Whether you are a first-time buyer or you have owned a home before, there are a number of home buyer programs that can assist you with your purchase and make the entire process easier and more efficient.

Local Programs

Luzerne County Growing Homeowners Initiative:
Housing Development Corp.
167 Ambler Ln., Wilkes-Barre
570.824.4803 or 570.501.1030

First Front Door:

PHFA Closing Costs Assistance:

PHFA HOMEstead Downpayment and Closing Cost Assistance:


Local Initiative Support Corporation (LISC):



FHL Bank:

National is the U.S. government's website dedicated to teaching all Americans the basics about financial education. Whether you are planning to buy a home, balancing your checkbook, or investing in your 401k, the resources on can help you do it better. Throughout the site, you will find important information from 20 federal agencies government wide.

First-Time Home Buyer Programs in Pennsylvania:

Finding Rental Housing- Beehive:

National Low Income Housing Coalition:

Local Programs / State Programs / National Programs

The Luzerne County Housing Authority provides affordable, public housing for low income families, elderly and the disabled within income guidelines.  Contact information for the Luzerne County Housing Authority is:
250 First Avenue
Kingston, PA  18704

The Pennsylvania Housing Finance Agency (PHFA) is the Commonwealth's leading provider of capital for affordable homes and apartments. Created to help enhance the quality and supply of affordable homes and apartments for older adults, persons of modest means, and persons with disabilities, the Agency operates homeownership programs, rental housing development initiatives, and a foreclosure prevention effort.

The Department of Housing and Urban Development (HUD) offers resources for obtaining a mortgage, grant programs, regulatory programs, and programs that provide assistance. It is through these programs that HUD works to fulfill its mission of increasing homeownership opportunities, promoting access to decent affordable housing, strengthening communities through economic development, ensuring equal opportunity in housing and promoting participation of faith-based and community organizations.

The United Neighborhood Housing Services provides information about affordable living available throughout the region. Locations, Contact Information and Availabilty are all provided for.
Luzerne County Affordable Housing



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