Down Payment and Closing Cost Assistance Program (DPCCAP) (PA): Amount, Requirements & How to Apply

Q: How much is Down Payment and Closing Cost Assistance Program (DPCCAP)?

Up to $7,500 (under 80% AMI); up to $5,000 (80-115% AMI), according to Urban Redevelopment Authority of Pittsburgh.

Q: Do I have to repay Down Payment and Closing Cost Assistance Program (DPCCAP)?

It's a deferred loan — no monthly payments, repaid when you sell, refinance or pay off the first mortgage.

Down Payment and Closing Cost Assistance Program (DPCCAP)

Quick answer

Down Payment and Closing Cost Assistance Program (DPCCAP) is a Pennsylvania down payment assistance program from Urban Redevelopment Authority of Pittsburgh. It provides Up to $7,500 (under 80% AMI); up to $5,000 (80-115% AMI) as a deferred-payment loan. It is aimed at first-time buyers. Eligibility, income limits and funding are set by the agency, so confirm current terms on its official page.

Eligibility notes

0% loan deferred 5 years (<80% AMI) or 10 years (80-115% AMI); no payments if residency met. 2026 application forms posted. City of Pittsburgh only.

Where does Down Payment and Closing Cost Assistance Program (DPCCAP) apply?

This city-level program is available to buyers in Pittsburgh. Cities on our site where it applies:

Down payment assistance in Pittsburgh

Detail	Program terms
Assistance	Up to $7,500 (under 80% AMI); up to $5,000 (80-115% AMI)
Type	Deferred-payment loan
Minimum credit	Not published on the program page
First-time buyer	Required
Income limits	At or below 115% AMI

How does Down Payment and Closing Cost Assistance Program (DPCCAP) work with an FHA loan?

Pennsylvania's 2026 FHA one-unit limits start at $541,287, which supports a price of about $560,000 with 3.5% down.

Where do I confirm current terms?

On the official page: https://ura.org/pages/down-payment-and-closing-cost-assistance-program. Programs can pause when funds run out, so confirm availability with a participating lender.

← All Pennsylvania down payment assistance programs

Frequently asked questions

Up to $7,500 (under 80% AMI); up to $5,000 (80-115% AMI), according to Urban Redevelopment Authority of Pittsburgh.

It's a deferred loan — no monthly payments, repaid when you sell, refinance or pay off the first mortgage.

At or below 115% AMI

Sources

Data last updated October 25, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.