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Eligibility for Home Buying Program

Westmoreland Community Action, and Mon Valley Initiative are nonprofit agencies working with the Westmoreland County Department of Planning and Development to build and sell new and rehabbed homes in communities undergoing revitalization in Westmoreland County.

The homes were developed to meet the need for quality affordable housing in Westmoreland County and to help first time homebuyers realize the dream of home ownership. All of the homes offer good value for the money.

Eligible buyers must demonstrate the ability to repay any loans. Some of the homes have income eligibility, while others do not. Be sure to check the listing information. In some cases, there is buyer's assistance to help with the down payment and closing costs.

All it takes is a phone call.

In our experience, buying a home can be more affordable than renting. More people actually qualify than think they do. Homebuyers with incomes of at least $36,000 may qualify for a mortgage to purchase one of the homes in the communities undergoing revitalization. So, don't count yourself out before taking that first step and calling to check on your initial eligibility.

Contact one of the realtors representing the available homes today. When it is determined you may qualify, you will need to fill out an application and provide bank statements and verification of all household income.

Strapped for Cash?

In some cases, help with down payment and closing costs is available for first-time homebuyers based on income eligibility. We can help you find the best mortgage and financing options available in today's market.

As an added bonus, many of our properties include some or all new appliances. The inclusion of appliances is indicated on the listing information on the Available Homes page.

Income Guidelines

Most of the homes offered through the Neighborhood Revitalization program have a first time homebuyer requirement. Most of the homes also have an income eligibility requirement. The following chart will give you an idea of where your income needs to be with the number of people in your household.

We use Area Median Income (AMI) as our measurement tool. AMI is defined by the Federal Department of Housing and Urban Development.


80% of Area Median Income

# in HouseholdMax. Household Income



Effective: May 2023

Based on 80% of Area Median Income (AMI)


Find Out if You Qualify

Your first step is to contact one of the realtors to determine if you qualify. Or, if you are already working with a realtor, ask your realtor to reach out for you..

Take Advantage of our Homebuyer's Program.

Westmoreland Community Action's Housing Counseling & Money Management Center guides you through process of buying a home.

Graduates of this one-session program who meet income and eligibility requirements can purchase a newly built home in a revitalized Westmoreland County neighborhood.

Visit Westmoreland Community Action's Housing programs page or

call 724-834-1260 Ext 1150 to learn more.

How Much Help is Available?

Home buying is about more than finding a good mortgage. From Homebuyer Classes to Credit Enhancement workshops, help is available to prepare you for home ownership and give you the confidence to keep that home throughout the years.

Take advantage of the Classes & Events designed to help you understand the home buying process and become financially prepared.

Learn about transitional housing and housing programs sponsored by Westmoreland Community Action.

Start by contacting one of our realtors to start the application process.

Visit our Housing Counseling page for more information.

Service Area

We are dedicated to helping you find affordable homes for sale in Westmoreland County, including but not limited to the cities of Derry, Jeannette, Latrobe, and Monessen, Scottdale and Youngwood.