Need Housing Down Payment or Closing Cost Assistance?
York City Residents can secure up to $7,000, and York County Residents can receive up to $5,000 through
YHAP, the York Housing Assistance Program.

0% down payment and closing cost assistance loans are available to the residents of York County and York City.

How Do I Get Started?

Call the York Housing Opportunity Center and speak with someone from our York team who can answer any questions you have about the program and sign you up for an individualized free counseling session to assess your readiness for homeownership and map out next steps

YHAP’s Homebuyer Loan funds may only be used for down payment and eligible closing costs and are available only in combination with qualified first mortgage loan products offered by YHAP’s Partnership Lenders.

Who Qualifies?

Income eligible first time buyers who have not owned a home in the last 3 years. To be eligible for the loan program, you will need to complete a HUD Approved Homebuyer Education Course. LHOP offers these courses regularly, and the cost is only $25/person. Register for the class on our Events page.

What Homes Qualify?

The property must be a single-family residence within York City or York County. See program guidelines for more information, which can be found on the YHAP page.

See How YHAP Can Help You on Your Journey to Homeownership


Because Everyone Deserves a Place Called Home

Discover More York LHOP Services

LHOP at York Housing Opportunity Center serves the community with more than just down payment and closing cost assistance. Learn more about the educational and counseling services we offer to assist York residents with creating a place to call home.