Can You Afford a New Home?

Interior of new homeDon't be discouraged by the headlines about the housing market.  Our programs are growing, and we are helping families like yours find a new home every day.  It may be the perfect time for you to take that first step toward owning your own home. You may even find the mortgage payment is less than what you are paying currently for rent. You can also save on monthly utility costs with the energy efficiency of new construction and heating and cooling systems.

Don't Count Yourself Out.  In our experience, more people qualify than think they do.  Help with the down payment and closing costs is also available for income eligible first-time homebuyers.

Visit our Home Buying Eligibility page and contact one of our realtors to begin the application process.

Homebuyers with incomes between $30,000 and $56,000 per year may be eligible, depending on the number of people residing in the home, so don't hesitate to call.

If you qualify, Westmoreland Community Action will send you an application to complete.  For the application, you will need to provide bank statements and verification of all household income. 

A Resource for Home Buyers

Young couple at a new homeAt Affordable Homes Westmoreland, our mission is to help you find affordable housing for low to moderate income residents of Westmoreland County, PA.

You may be worried about things you've heard in the news, like ballooning loan payments, interest rates that shoot up after you've made the purchase, and unscrupulous mortgage agents.  Our goal is to help you find a new home where you can afford the monthly payments, with solid financing that doesn't leave you out in the cold.

If you're interested in buying, but not sure you're financially prepared, the housing counselors at the Westmoreland Community Action Housing Counseling & Money Management Center can:

  • Talk to you about the home buying process
  • Show you how to improve your credit score
  • Help you budget for home expenses and a regular mortgage payment

Even if you're not ready today, it may only take a few months to turn around your credit rating and become eligible for home ownership.

And housing counseling is FREE!

Educational Support

Interior of new homeFrom Homebuyer Classes to Credit Enhancement workshops, help is available to prepare you for home ownership and give you the confidence to keep that home throughout the years.

  • Take advantage of the Classes & Events designed to help you understand the home buying process and become financially prepared.
  • Pre-Purchase Housing Counseling offered by Consumer Credit Service of Western PA takes the intimidation out of qualifying for a mortgage and all those mysterious terms like: earnest money, points, HUD I Settlement Statements, title insurance, and more.  Visit the Housing Counseling page of to learn more.
  • Learn about transitional housing and housing programs sponsored by Westmoreland Community Action.
  • Start on your path to a new home by contacting one of our realtors to begin the application process.

Service Area

We are dedicated to helping you find affordable homes for sale in Westmoreland County, including but not limited to the cities of Derry, Jeannette, Latrobe, Monessen, North Huntingdon, and West Newton and Youngwood.

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