How Bucks County, PA first-time buyers can get up to $10,000 toward down payment and closing costs, plus PHFA and FHA options for 2026.
Bucks County homes are not cheap, so first-time buyers in Levittown, Bristol, Bensalem, Doylestown, Quakertown and Warminster need every advantage. The county’s First Time Home Buyers Program, combined with PHFA and FHA loans, can make the numbers work. Here is what is available in 2026.
Key takeaway: Bucks County offers up to $10,000 toward closing costs and down payment as a no-interest deferred loan for households at or below 100% of the county’s median family income.
Table of Contents
How the Bucks County First Time Home Buyers Program works
- Who runs it: Bucks County, with Bucks County Housing Group (BCHG) handling required counseling and applications.
- What you get: up to $10,000 for closing costs and/or down payment.
- Terms: a 0% deferred mortgage. You repay it when you sell, transfer or refinance for additional debt, or when the home stops being your main residence.
- Income limit: at or below 100% of Bucks County median family income for your household size. The table is updated each year, so confirm the current numbers with BCHG.
- Counseling: required. Online-only courses such as eHomeAmerica or Framework alone do not satisfy the Bucks County program.
How to apply
- Get your credit mortgage-ready first. A lender has to approve you before the county money helps.
- Complete the BCHG intake application online through Bucks County Housing Group’s housing counseling page.
- Watch for an intake email and DocuSign packet, then attend the required group webinar.
- Get pre-approved with a lender and start shopping.
Contact: Bucks County Housing Group, 626 Jacksonville Road, Suite 140, Warminster, PA 18974, 215-394-8259.
Stack it with PHFA and FHA
- PHFA Keystone Home Loan: 2026 income limits in Bucks County are $122,700 (1-2 people) and $141,100 (3+), with a $588,800 purchase price limit. See PA first-time home buyer income limits.
- FHA: the 2026 FHA limit in Bucks County is $630,200 for a single-family home and $806,750 for a duplex. See FHA loan limits in PA.
FHA requirements for Levittown and the rest of Bucks County
FHA rules are the same across Bucks County: 580+ credit score for 3.5% down (500 to 579 with 10% down), a manageable debt-to-income ratio, the home as your primary residence and a property that passes FHA appraisal standards. Many Levittown homes are older, so budget for repairs the appraiser may flag. Full details: FHA Loan Requirements in PA.
Where Bucks County buyers get stuck
The most common roadblock is not income. It is credit: collections, late payments, high balances and report errors. Clearing those up before you apply means a faster approval and a better rate.
Tip: Take the free 2-minute readiness check or request a free Mortgage Readiness Analysis. No credit pull. Our team is based in Northeast Philadelphia, minutes from Lower Bucks.
Frequently asked questions
How much does Bucks County give first-time home buyers?
Up to $10,000 toward closing costs and/or down payment, as a 0% deferred loan.
Do I have to repay the Bucks County homebuyer assistance?
Yes, when you sell, transfer or refinance for additional debt, or when the home is no longer your main residence. There is no interest.
Who handles the Bucks County first-time buyer program?
Bucks County Housing Group (BCHG) in Warminster handles counseling and the application process for the county.
What is the FHA loan limit in Bucks County?
$630,200 for a single-family home in 2026.
Free · No credit pull
Want to know how mortgage-ready you are?
Get a free Mortgage Readiness Analysis from our Philadelphia team, or take the 2-minute readiness check.
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