Specialized Loans

Find out if your home buying situation could make you eligible for a specialized loan from PNC.


Specialized Loans Facts & Figures

PNC Community Loan

This specialized program provides eligible homebuyers with more options.

  • No private mortgage insurance (PMI).
  • Down payment as low as 3% and minimal cash reserves. 
  • Gift funds are allowed as part of a down payment.
  • Standard fixed or adjustable rate termsor your down payment or closing costs can be from a gift.

Rural Housing

When you’re purchasing a home in a rural area, you may be able to access special loan programs and terms through the United States Department of Agriculture (USDA).

  • No down payment.
  • Refinancing of eligible loans.
  • New or existing residential property to be used as a permanent residence.
  • Closing costs and reasonable/customary expenses associated with the purchase may be included in the transaction.

Medical Professional

Our Medical Professionals mortgage takes your unique needs into account and is specifically designed for interns, residents, fellows or doctors who completed their residency in the last five years.

  • Gift funds are allowed as part of a down payment.
  • Loans up to $1 Million.
  • No Private Mortgage Insurance.
  • Primary residences only.
  • Standard fixed or adjustable rate terms.

PNC $5,000 Grant

You may qualify for up to $5,000 toward closing costs. And make buying a home of your own more affordable.

  • Standard fixed or adjustable rate terms.
  • Loan terms between 30 years.**

If you qualify for this credit by meeting income requirements[1] or residing in a qualified community[1], you can use it to:

  • Reduce or eliminate your mortgage closing costs.
  • Cover other prepaid costs (establishing an escrow account to cover property taxes, insurance renewals, etc.).
  • Apply toward a down payment.

Mortgage Calculators

Comparing loan options? Just looking for how much you can borrow? Use our home lending calculators to understand your refinancing options and help you decide.

How Much Can I Afford?

How Much Could My Fixed Rate Mortgage Payments Be?

Applying with PNC

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