First Front Door

Get up to $15,000 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. By contributing a minimum of $1,500 toward down payment and closing costs, homebuyers are now eligible for a maximum FFD grant of $15,000. Ardent Credit Union is a participating member of FFD through FHLBank Pittsburgh. Funds will be available on a first-come, first-served basis. (Funding will be available in April 2026.)

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

Eligible Property Types

• Single-family homes
• Townhomes
• Condominiums
• Manufactured homes (eligible if permanently affixed to site)

To learn more about FFD, email our mortgage specialists at firsthome@ardentcu.org