Homeownership Program

Through the Housing Choice Voucher (HCV) Homeownership Program, eligible families participating in the Housing Choice Voucher Program may choose a house for purchase anywhere in Dauphin County (outside the City of Harrisburg) and receive financial assistance for homeownership expenses (mortgage payments) for up to 15 years. 

For the elderly/disabled, there is no time limit.

Total household income may not exceed the maximum gross income limits as prescribed by the program.

ELIGIBILITY REQUIREMENTS

  • Must live in Dauphin County with Housing Choice Voucher assistance

  • Enrollment in the Family Self Sufficiency Program (FSS) is not required, although participation is strongly urged

  • Be a first time homebuyer or have not owned a home during the last three years.

  • At least one adult family member who will own the home must have been employed for one year prior to receiving homeownership assistance (Elderly and disabled persons do not have to comply with this employment requirement);            

  • The family must meet the Federal minimum income requirement.

  • Have had no family caused violations of HUD's Housing Quality Standards within the previous year

  • Not be within the initial one year period of a HAP contract

  • Not owe money to any Housing Authority

  • Successfully complete homeownership counseling sessions approved by the Housing Authority

  • Be able to obtain mortgage financing

  • Have not defaulted on a mortgage securing debt to purchase a home under the homeownership option

  • Make a minimum initial down payment of 3% of the purchase price

  • Have a minimum cash down payment of one percent of purchase price, which is paid from the families' own resources

FOR MORE INFORMATION

Please contact the Housing Authority's HCV Home Ownership Coordinator at 717 939 9301, Extension 518.

 

Required Steps for Purchasing a Home through the HCV Homeownership Program

Be currently assisted through the Housing Choice Voucher Program;

  • Attend a HACD program briefing session;

  • Successfully complete homeownership counseling sessions;

  • Receive pre approval from a mortgage lender;

  • Find a house in Dauphin County, outside the City of Harrisburg;

  • Sign an agreement of sale;

  • Bring the proposed purchase price and property description to HACD for review;

  • Have the home inspected by HACD and also by a professional inspector;