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First-Time Homebuyer Program

  • As low as 3% down payment[1]
  • Programs available with or without monthly mortgage premiums
  • Down payment and closing cost assistance available
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Your Homebuying Journey Starts Here

World-class service, local decision-making power and a range of mortgage options to achieve your goals.

Low down payments

As little as 3% down payment.



No monthly premiums

Programs available with no monthly mortgage premiums.


FHA Loans

Government-backed mortgages insured by the Federal Housing Administration.

Grants up to $5,000

Assistance with down payment and/or closing costs for eligible borrowers[2] – no repayment required.[3]

Eligibility Requirements

You may qualify for our First-Time Homebuyer Program if you are a first-time homebuyer and are purchasing a home intended to be a primary residence.

Did You Know?

There may be other first-time homebuyer assistance that can be used in combination with your WSFS mortgage. A mortgage specialist will help you determine what is available in your area.

Get Started Today!

Complete the form below to see how WSFS Mortgage can help you achieve your goals.

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FAQs

The First-Time Homebuyer Program is open to anyone who is a first-time homebuyer and is purchasing a home intended to be a primary residence.

The First-Time Homebuyer Program mortgage is specifically designed to help first-time homebuyers achieve their dreams of homeownership. It has more lenient credit requirements, lower down payment options and access to special programs such as closing cost assistance.

Purchasing a home is one of the most important financial decisions you can make in your lifetime. With rent costs rising, it may be a good time to consider purchasing a home to begin building equity. Our mortgage specialists can help you determine how much home you can afford and estimate your monthly mortgage payments with the First-Time Homebuyer Program.

Why Choose WSFS Mortgage?

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Personalized Approach

Personalized, relationship-driven support throughout the process

Trusted, local expertise

Local lender with deep knowledge of the Greater Philadelphia and Delaware market

Digital experience

Hassle-free digital mortgage pre-quality and application experience.

Disclosures

1 Applies to qualified borrowers.

2 Home must be a primary residence located in a census tract where at least 50% of the population identifies as minority and the total household income cannot exceed 100% of the Area Median Income (AMI), as determined and published by HUD.

3 1099-MISC will be issued to borrower on awarded funds. WSFS Bank will leverage other down payment and/or closing costs Grant programs prior to deployment (or use) of WSFS Grant Funds. WSFS Grant funds awarded while funds last for the award program year. Loan program is subject to change.