First Time Home Buyer Program 

Offering Homes in The Borough of State College 

How it Works 

Households interested in purchasing their first home start with the HUD Certified Housing Counselors from The HOME Foundation. THF Housing Counselors will meet one-on-one to collect income information and provide budget and credit counseling, and homebuyer education. Once participants receive their certificate of completion, they are eligible to apply to the State College Borough FTHB program. THF  collaborates with the State College Borough and the State College Community Land Trust  to provide attainable homes in the Borough. The homeowner secures a mortgage through their bank of choice and follows the model for ownership provided by the organization that developed the home they wish to buy.

THF Develops Homes

THF acquires homes from sellers in the State College Borough, rehabilitates them and sells them to a FTHB. The FTHB can acquire a gap loan to reduce the principal of their primary mortgage so it is more affordable. The rehab includes measures to ensure health, safety, and comfort for the homebuyers. This means lead based paint, radon, and asbestos are all mitigated, or contained. In addition, THF values energy system  upgrades to help ensure the costs to live in the home are more affordable and energy usage is more friendly for the environment. Upgrades to features like kitchens, bathrooms, and other cosmetic renovations are completed if the budget allows.

915 Walnut Street

Available now

Clockwise: exterior front, exterior back, bedroom 1, bedroom 2, kitchen

Current and Past Homes Offered for FTHB

Check back often to see more!

This adorable 2-bedroom home has been recently renovated and is available for sale to a qualified First-Time Home Buyer Spring 2024

This energy efficient home was purchased by a First-Time Home Buyer in 2020!

A completed renovated kitchen in a First-Time Home Buyer Home!


226 E. Nittany Ave., 2nd Floor
State College, PA 16801, US

The HOME Foundation  is a Community Housing Development Organization with the State College Borough as its Participating Jurisdiction, and a full-service HUD Certified  Housing Counseling Agency and member of the PHFA Housing Counseling Network that provides free supportive housing education and housing counseling services to all of Centre County. 

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