Home Ownership Programs

The Community Development and Housing Division of the Planning Department has a leadership role in the development of affordable housing within State College.  

Additionally, the State College Community Land Trust (SCCLT) and Temporary Housing Foundation, Inc. (HTI) also provide opportunities for homebuyers to purchase a home in the Borough. 

State College Borough First-Time Homebuyer Program (FTHB)
The State College First-Time Home Buyer (FTHB) program offers mortgage and closing cost assistance to both moderate and lower income families; this typically translates into a home at a monthly cost equal to or lower than your current rent. 

Qualifying homebuyers are offered free homebuyer education and budget counseling to help them every step of the way. 

Program Income Guidelines.
Housing Transitions, Inc. (HTI)
Housing Transitions, Inc. (HTI) is a private nonprofit organization founded in 1988. HTI is dedicated to a mission of providing affordable housing options to Centre County families.

As a Community Housing Partnership member, HTI is able to assist qualified families with necessary renovations, a "gap" financing subsidy as well as down payment and closing costs. This means a family can buy more house with a lower monthly payment. HTI will work with you before during and after you purchase a home to help as a partner in your success.

Qualifying homebuyers are offered free homebuyer education and budget counseling to help you every step of the way.

For more information, contact the Housing Transitions, Inc. office at 217 East Nittany Avenue, State College, PA 16801 or call (814) 237-4863.
Housing Transitions
State College Community Land Trust
The State College Community Land Trust (SCCLT) provides a new opportunity for homebuyers to purchase a home in the Borough.  The SCCLT encourages home ownership by "splitting" the cost of a home.  The buyer purchases the house itself while the SCCLT buys the land beneath the house, thereby reducing the overall cost of the home by as much as 30%. 

The SCCLT is a private non-profit organization whose goal is to ensure that decent, affordable housing for all.  Individuals looking for assistance from the SCCLT must be income qualified.  Qualification levels vary depending on family size.  

The SCCLT provides a package of assistance which includes home rehabilitation money, closing cost assistance and a subsidy equal to the value of the land for the given property.  Applicants do not need to have any down payment or money for closing costs.  

The need for cash up front to cover these items is usually the biggest hurdle most people face when buying their home.  Closing costs alone are normally 3% of the purchase price.  The SCCLT clears this hurdle for them and reduces the amount of the mortgage they must obtain. 

For more information, contact the State College Community Land Trust at 1315 South Allen Street, Suite 306, State College, PA  16801 or call (814) 867-0656.  You can also go to the State College Community Land Trust website.


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