First Front Door Program

QNB Bank proudly offers a first-time homebuyer grant program funded by FHLBank Pittsburgh

Want to get up to $15,000 in cash for down payments and closing costs?

QNB Bank offers a first-time homebuyer grant program funded by FHLBank of Pittsburgh. By contributing a minimum of $1,500 toward down payment and closing costs, homebuyers are eligible for a maximum First Front Door (FFD)* grant of $15,000.

Who qualifies for First Front Door funding?

To qualify, you must:

Be a first-time homebuyer:

  • A person who has not owned a single-family, owner occupied home used as their primary residence in the last three years
  • This also includes, if purchasing jointly with other individuals, at least one person has not owned a single-family, primary residence in the last three years, or
  • This also includes any person that has owned an eligible property jointly with another individual and is now independently purchasing a single-family, primary residence, or
  • If an investment property is owned, the person is not living there and has not owned a single-family, primary residence in the last three years

Complete at least four hours of homeownership counseling prior to purchasing the home

Retain the home for five years from the loan closing date in order to keep 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.

Secure a first mortgage through QNB Bank

Contribute a minimum of $1,500 in personal funds as part of the down payment and closing costs

Have a household income at or below 80 percent of the area median income

Not receive more than $250 cash back at settlement for any reason

A QNB loan officer will review these and other program requirements with you.

Does my new home qualify?

Qualified first-time homebuyers can use FFD grants toward closing costs and down payment assistance on eligible properties that are intended as the primary residence of the homebuyer at the time of program enrollment. These properties include single-family homes, townhomes, condominiums and modular units. Manufactured homes may be eligible if they are permanently affixed to a site. Investment properties are not eligible for FFD assistance.

The First Front Door Program Funding Round will open on April 16, 2024. Being prepared is key to taking advantage of this grant program before funds run out.

Service charges based on account activity (may include, but are not limited to, $10 monthly maintenance fee, $0.17 per check paid, $0.15 per check deposited, $0.15 per deposit ticket) and may be reduced or eliminated by an earnings credit. Ask a QNB representative for more details.

Monthly paper statements or eStatements1 featuring QNB Check Imaging

Earnings Credit - monthly allowance to offset your service charges based on the average investable balance multiplied by the current month's earnings credit rate.

QNB Online Banking Commercial access2

QNB Business Debit Card

Contact a QNB loan officer to learn more

Our loan officers are experts in helping homebuyers. To get started, contact us today or request a callback using the button and a QNB loan officer will contact you to answer any questions you may have about the First Front Door program and other mortgage opportunities.

Brian Adzema

Brian Adzema

AVP/Mortgage Loan Officer

Team Member since 2016

215-538-5600 x5638

NMLS #1224755

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Denise Landis

Denise Landis

AVP/Retail Loan Officer

Team Member since 1982

215-538-5600 x5640

NMLS #801277

LinkedIn

Maria Friendshuh

Maria Friendshuh

AVP/Mortgage Loan Officer

Team Member since 2022

215-538-5600 x5767

NMLS #481432

LinkedIn

*QNB Bank is a participant of FHLBank Pittsburgh's First Front Door Program. First Front Door funds are available on a first-come, first-serve basis.

All loans are subject to credit approval. QNB NMLS #781724