Your Step-by-Step Guide to Applying for Philadelphia’s New Affordable Housing Programs
- Philadelphia Affordable Housing
- Sep 10
- 4 min read
Looking for an affordable place to call home in Philadelphia? Whether you're hoping to rent or buy, the city has rolled out a variety of new programs in 2025 to make housing more reachable for everyone. We know the application process can feel overwhelming, so let’s break down exactly what you need to know—step by step.
Why Affordable Housing Matters Now More Than Ever
Affordable housing isn’t just about having a place to sleep. It’s the foundation for stable families, thriving neighborhoods, and a stronger Philly. Mayor Parker put it best when she launched the $2 billion H.O.M.E. (Housing Opportunities Made Easy) Plan earlier this year:
“This plan is about making sure every Philadelphian—no matter their background—has a fair shot at safe, stable, and affordable housing.”
With new city funding, grants, and programs, there’s never been a better time to check out your options. Ready to get started? Let’s jump in!
1. Know What Programs Are Out There
Philadelphia is tackling affordability from several angles. Here’s a quick snapshot of the programs you could access:
Section 8 / Housing Choice Voucher: Federally funded rental assistance.
H.O.M.E. Plan Programs: New efforts like the ONE Philly Mortgage and community grants.
Forgivable Grants for First-Time Buyers: Urban League and other partners.
Turn the Key Neighborhoods: Brand-new homes built on vacant lots just for first-timers.
Homeowner Support Services: Help with repairs, avoiding scams, and keeping your home in shape.
Each of these programs has its own rules and steps—but most start with checking if you’re eligible.
2. Check Your Eligibility
Most programs are meant for low- to moderate-income households, or folks buying a home for the first time. Here’s what you’ll typically need:
Income: Most rental programs require you to earn less than 50% of the area median income (AMI). For a family of four, that’s about $56,400 as of 2025. Homebuyer programs usually have slightly higher limits.
Residency: You must live in Philadelphia, or commit to making your new home here.
First-time Buyers: For some programs, you can’t have owned a home in the last three years.
Documentation: Plan on submitting:
Tip: If you’re unsure whether you qualify, check out Philadelphia housing resources or call the Urban League or PHA for a quick eligibility check.
3. Applying for Section 8 (Housing Choice Voucher)
Section 8 remains one of the city’s most popular ways to access affordable rentals. Here’s how it works:
Step-by-Step
Check the Waiting List
Gather Complete Documents
Fill Out the Application
Wait for Approval
Find a Rental
Sign Your Lease and Move In
4. Applying for the H.O.M.E. Plan Programs
With the city investing over $2 billion through 2030, these programs are game-changers for both renters and buyers. Here are a few highlights:
ONE Philly Mortgage
Aiming to make mortgages easier and cheaper for regular Philadelphians, ONE Philly Mortgage is perfect for first-time buyers who may not qualify for traditional loans.
Application details: Still in development—look for updates by late 2025.
To get ready: Attend free or low-cost homeownership counseling and check your credit score.
Home Service Clearinghouse and Concierge
This isn’t just for new homebuyers. If you already own, this program helps you avoid contractor scams and connects you to vetted repairmen. You can apply online or by phone—no cost to you! Learn more here.
Curbside Appeal Program
Want to spruce up your block? This grant matches your efforts dollar-for-dollar to beautify your street, yards, or community garden. Contact the city’s Department of Planning and Development to learn how your block can sign up.
“These programs aren’t just about roofs and walls—they help build real communities where people want to stay and raise their families.” —Local Philly homeowner
5. Forgivable Grants for First-Time Buyers
If you’re dreaming of owning your own place, check out these options:
Urban League of Philadelphia Forgivable Grant
This grant covers down payment or closing costs, and you don’t have to pay it back if you stay in your home long enough (typically five years).
Attend Homebuyer Counseling: The Urban League offers free sessions.
Prepare Your Paperwork: Same as other programs, with possible extras (tax returns, W-2s).
Apply: Work with the Urban League team to submit your application.
Wait for Approval: Funds are granted as you get ready to close on your new home.
Turn the Key Neighborhoods
Instead of fixing up old properties, Philly is building beautiful, energy-efficient homes on city-owned lots—reserved for income-qualified first-time buyers.
Watch for Application Periods: The expanded program starts October 2025.
Work with a Realtor or Housing Counselor: They can help you apply.
Get Pre-Approved for a Mortgage: Even if it’s the new ONE Philly Mortgage.
6. Get Ready for What’s Next
Big things are happening fast:
The city is issuing an extra $400 million in bonds in fiscal year 2026—expect even more units and grants to become available soon.
Over $14 million in PHARE grants are boosting affordable housing now throughout Philly neighborhoods.
More nonprofit partners are joining the effort, so new resources are coming online each month.
Staying in the loop: Visit Philadelphia Affordable Housing’s resource page for regular updates on open applications, waiting lists, and fresh funding as it’s announced.
7. Your Quick-Start Checklist
Getting ready to apply? Here’s what to do right now:
✅ Check your income and household size.
✅ Gather all the necessary documentation.
✅ Attend a free homeownership or rental counseling session.
✅ Contact the Urban League or Philadelphia Housing Authority to confirm eligibility and get help with paperwork.
✅ Watch out for NEW program openings in late 2025 and 2026!
Final Thoughts
Navigating Philly’s growing world of affordable housing is WAY easier when you know where to look—and when you ask for a little help along the way. Don’t let paperwork or long lines discourage you. There are more resources, programs, and people ready to help than ever before.
Ready to get started? Reach out to us or check out our full resource hub here. Whether you’re hoping to rent, buy, or beautify the place you call home, Philadelphia is invested in you.
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