First Front Door Keys to Equity (Keys)

First Front Door Keys to Equity (Keys) is sponsored by Federal Home Loan Bank of Pittsburgh (FHLBank Pittsburgh). This program enhances homeownership access for minority and first-generation first-time homebuyers. Eligible homebuyers enrolled in the Keys program who contribute a minimum of $1,500 towards down payments and closing costs may qualify for a grant of up to $15,000.

First Front Door | FHLBank Pittsburgh First Front Door (FFD) provides down payment and closing cost assistance to eligible first-time homebuyers. What is First Front Door? Members must access FFD Online through FHLBank's secure website portal.

Please contact us at 800-288-3400, option 3, if you need assistance. FFD provides down payment and closing cost assistance to eligible first-time homebuyers. Offered through participating FHLBank Pittsburgh (FHLBank) members that provide first- mortgage financing.

By contributing a minimum of $1,500 toward down payment and closing costs, homebuyers are eligible for a maximum FFD grant of $15,000. In order to expand access to homeownership opportunities for first-generation first-time homebuyers, the First Front Door Keys (Keys) was established. Also offered through participating FHLBank members that provide first-mortgage financing.

By contributing a minimum of $1,500 toward down payments and closing costs, homebuyers in the Keys program are eligible for a maximum Keys grant of $15,000. To apply for a FFD grant, please contact a FFD provider in your area. FFD Providers Do I Qualify?

FFD and Keys Product Profile – Member - Information specific for FHLBank members FFD and Keys Brochure – Member - Information specific for FHLBank members FFD and Keys Brochure – Homebuyer - Information that FHLBank members can use to advertise FFD and Keys to potential homebuyers. FFD Flyer – Homebuyer - A customizable flyer that FHLBank members can use to advertise FFD to potential homebuyers.

Keys Flyer – Homebuyer - A customizable flyer that FHLBank members can use to advertise Keys to potential homebuyers. FFD Poster – Homebuyer - A poster that FHLBank members can use to advertise FFD to potential homebuyers. eHome America Online Housing Counseling - Link to eHome America online housing counseling website.

Framework Online Housing Counseling - Link to Framework online housing counseling website. HUD Income Limits - Household income limits, as defined by the U.S. Department of Housing and Urban Development. HUD-Approved Counseling Agencies - Counseling agencies that are approved by the U.S. Department of Housing and Urban Development.

National Industry Standards Approved Counseling Agencies - Link to the National Industry Standards for Homeownership Education and Counseling website. PHFA Online Housing Counseling - A link to the Pennsylvania Housing Finance Agency's (PHFA) Online Homebuyer Education Course.

2026 FFD and Keys Homebuyer Products Overview Webinar 2026 FFD and Keys Homebuyer Products Overview Webinar (PDF) FFD Online How-To: Complete the Income Workbook How Does FFD Benefit Members?

FHLBank members benefit from FFD and Keys in a variety of ways Learn how membership works Enhances first-time homebuyer products Improves market competitiveness Strengthens member underwriting Provides Community Reinvestment Act credit Empowers first-time homebuyers, deepening banking relationships Who Qualifies for FFD and Keys Funding? How Do FFD and Keys Work? Approved Counseling Agencies Who Qualifies for FFD and Keys Funding?

Qualified first-time homebuyers can use FFD grants toward down payment and closing costs.

Each prospective homebuyer must: Be a first-time homebuyer A person who has not owned an eligible property 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 an eligible property used as a primary residence in the last three years, This also includes any person that has owned an eligible property jointly with another individual and is now independently purchasing an eligible property, or If an investment property is owned, the person has not lived there and has not owned an eligible property used as a primary residence in the last three years.

Contribute personal funds as part of the down payment and closing costs Have household income at or below 80 percent of the area median income at the time of registration Complete at least four hours of homeownership counseling, including the topic of predatory lending, prior to the purchase of the home Qualified first-time homebuyers can use Keys grants toward down payment and closing costs.

Each prospective homebuyer must: Be a first-time homebuyer and identify as a First-Generation Homebuyer, as defined by FHLBank Contribute personal funds as part of the down payment and closing costs Have household income at or below 120 percent of the area median income at the time of registration Complete at least four hours of homeownership counseling, including the topic of predatory lending, prior to the purchase of the home How Do FFD and Keys Work?

Only members registered to participate in the FFD program may apply for funding on behalf of their homebuyers. To enroll in FFD, members must complete the FFD Enrollment Agreement and FFD Member Agreement Form . Eligible members can then submit FFD applications during open funding rounds.

To participate in Keys, members must execute the FFD Enrollment Agreement and FFD Member Agreement Form. Please email firstfrontdoor@fhlb-pgh. com with any questions.

When the FFD and Keys funding rounds opens each year, enrolled members can then follow these steps to register homebuyers for FFD or Keys funding: Prospective homebuyer works with a participating member Member and homebuyer gather income documentation and submit FFD or Keys reservation request FHLBank processes and approves completed reservation requests within 10 business days Within six months of reservation approval, prospective homebuyer completes homeownership counseling and buys home Member provides the first mortgage and advances eligible grant amount Member submits disbursement request with required documents to FHLBank for reimbursement Product Manual for the First Front Door (FFD) program.

Community Products First Front Door (FFD) FFD and Keys Webinar (PDF) This PDF version of the recorded webinar is an overview of the First Front Door (FFD) and First Front Door Keys (Keys) programs.

Community Products First Front Door (FFD) FFD Product Profile - Member First Front Door, which is offered through FHLBank Pittsburgh members, provides down payment and closing cost assistance of up to $15,000 to eligible first-time homebuyers. Community Products First Front Door (FFD) FFD Quick Reference Guide Tool for FHLBank members to use when qualifying an FFD homebuyer and processing a reservation.

Community Products First Front Door (FFD) Community Products First Front Door (FFD) Detailed brochure for first-time homebuyers. Community Products First Front Door (FFD) Detailed brochure about First Front Door for FHLBank members. Community Products First Front Door (FFD) FFD Member Guide to FFD Online Guide to help members navigate the FFD Online system.

Community Products First Front Door (FFD) How to Look up HUD Income Limits for FFD and Keys This document should be used to determine the income limits required for FHLBank of Pittsburgh (FHLBank) First Front Door (FFD) and First Front Door Keys (Keys) programs.

Community Products First Front Door (FFD) Guidelines to accurately verify household income and determine the eligibility of households to participate in the Affordable Housing Program and the voluntary housing grant initiative. Community Products Affordable Housing Program (AHP) User Guide to Accessing the Secure Website Portal User guide to the secure website portal for accessing FFD Online.

Credit Products and Bank Services For FFD and Keys reservations, the current Income Workbook must be utilized and supported by third-party income documents, as outlined in the Income Guidelines. Community Products Affordable Housing Program (AHP) First Front Door (FFD) Zero Income Certification Form This form must be completed for each member of the household who is 18 years of age and older who does not receive benefit or wage income.

Community Products Affordable Housing Program (AHP) First Front Door (FFD) FFD Keys Self Certification Form Community Products First Front Door (FFD) FFD Member Enrollment and Agreement Forms Forms for FHLBank members to enroll in the First Front Door (FFD) program.

Community Products First Front Door (FFD) FFD Counseling Agency Approval Form for FHLBank Member to request a new Counseling Agency Approval Community Products First Front Door (FFD) FFD Homebuyer Counseling Certification Form used by member (if needed) to document homebuyer completed housing counseling Community Products First Front Door (FFD) FFD Real Estate Retention Agreement Deed Restriction to secure FFD subsidy between member and homebuyer.

Community Products First Front Door (FFD) First Front Door and Keys Member Concessions Request Form Community Products First Front Door (FFD) AHP and FFD Door Repayment Form Form to be completed when a homeowner is refinancing or selling their home prior to the five-year retention period. Applicable to Affordable Housing Program, First Front Door Program and Voluntary Housing Grant Initiative.

Community Products First Front Door (FFD) FFD Reservation Extension or Status Reversal Form used to request an extension of the FFD reservation eligibility period or a status reversal of an expired FFD reservation.

Community Products First Front Door (FFD) Approved Counseling Agencies HUD-Approved Counseling Agencies National Industry Standards Approved Counseling Agencies eHome America Online Housing Counseling Framework Online Housing Counseling PHFA Online Housing Counseling FannieMae Online HomeView Homeownership Education Course (free course) To apply for a First Front Door grant, please contact a FFD provider in your area.

First Front Door helps turn the dream of homeownership into a reality, making the American Dream accessible for those who may have thought it was out of reach. I’m incredibly grateful for this opportunity." Helping Members Strengthen Their Communities FFD Helps Kish Bank Support First-Time Homebuyers FFD Provides a Path to Homeownership First Front Door Helps Single Mother Establish New Housing and Financial Footing