First Front Door

Get up to $5,000 towards down payment and closing costs

The First Front Door (FFD) program assists low-income, first-time homebuyers with their closing costs and down payment. For every $1 contribution made, $3 in grant assistance is provided, up to a maximum of $5,000 for qualified borrowers. Ardent Credit Union is a participating member of FFD through FHLBank Pittsburgh. Funds will be available on a first-come, first-served basis.

Grant Program Qualifications for Homebuyers

Must meet one of the following criteria:
1. An individual who has not owned a home within the past three years
2. An individual who owned a home jointly with a spouse but not individually within the past three years
3. A married couple if either has not owned a home within the past three years.
Contribute personal funds toward the down payment or closing costs
Earn total annual income at or below 80% of the area median income
Cannot be a student working less than 30 hours per week
Complete at least four hours of homeownership counseling prior to purchasing the home
Agrees to maintain the home for five years to retain the full amount of the grant. If a sale occurs before the five years expire, a portion of the grant may be required to be repaid