York County Buyer's Assistance Program

Real Estate Agent with Prudential Bob Yost Homesale Services (West)

York County and the City of York have a mortgage assistance program that works in cooperation with the local board of Realtors (RAYAC) that most consumers are unaware of.  This program provides 2% of sales price towards down payments and at the county level up to 6% towards closing.  The city has a scale for which it determines closing cost help based on the sales price.  8% can be obtained on a home less than $40,000 with that dropping to 6% on homes $60,001 or more.  Anywhere in between those numbers is 7% closing help.  However buyers must contribute both time and a little of their own money in order to be eligible for this program.  First, they must participate in first time home-buyers classes which are held three times each month (this class is valid for up to two years).  Second, they must contribute at least 3% of the sales price or $1000 (the greater of the two) in order to qualify for the program.


Other things to keep in mind are:

  1.  The property must pass an inspection.

  2.  Tenants can not be relocated as a result of the sale.

  3.  Buyer must use property as their primary residence.

  4.  The lender must be chosen from program participating lenders.

  5.  Property must be held for more than five years or the county has the right to recapture the funds.


More information can be found at www.rayac.com which is the Realtors Association of York & Adams County (RAYAC).



Comments (2)

Dick Betts
REALTORĀ® The Villages, Florida

If you live within 3 hours of Harrisburg, PA and want 2 full days of Mobile Technology Training and Web Presence then do we have an event for you!  The dates are April 17th and 18th, Central Penn MLS in Enola, a suburb of Harrisburg has hired me to present a full 2 day event.  Word of mouth has agents from 2 hours away already signing up for the classes and we are about to launch a major advertising campaign so you better sign up early.  If you have any questions on what will be covered I have a link below on the class schedule.

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Here's a link for more info;


Apr 03, 2008 02:13 AM
Dawn Tittsworth
ReMax Patriots 717-676-0189 - Stewartstown, PA
Realtor - Buyers York County

Dawn Tittsworth York County Pennsylvania Buyers Agent Here!

I have had several of my clients use the York County Buyer's Assistance Program and all was great. A  little effort on the buyers part and a little extra effort on my part and vola!



Feb 18, 2009 02:17 PM