Specialized Loans

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


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Specialized Loans Facts and 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 terms


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


$5,000 Grant

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

  • Standard fixed or adjustable rate terms
  • Loan terms of 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


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We are available at branches nationwide to discuss your preferences, learn about your loan options, and see if you're pre-approved.

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Important Legal Disclosures and Information

  1. The Property must be located in an eligible market. A PNC Mortgage Loan Officer can help determine your eligibility for this offer. To qualify, borrower’s household income must be at or below 80% of the median household income for the metropolitan statistical area (MSA) or the financed property must be located in a low- or moderate-income census tract as designated by the FFIEC. The PNC Closing Cost Assistance Grant may not exceed actual closing costs and prepaids. The PNC Closing Cost Assistance Grant may be applied to primary residence purchase or limited cash out refinance transactions (purpose of refinance must be rate and term only). Additional restrictions and qualifications may apply.  PNC Grant amount is subject to change.

For Adjustable Rate Mortgages loans ("ARMs"), rates may increase after settlement.

Preapproval is not a commitment to lend, a condition of loan approval or an application for credit.

PNC is a registered service mark of The PNC Financial Services Group, Inc. (“PNC”). All loans are provided by PNC Bank, National Association, a subsidiary of PNC, and are subject to credit approval and property appraisal.

Final loan approval and amount are subject to verification of loan data, property appraisal and underwriting conditions.

Equal Housing Lender ©2023 The PNC Financial Services Group, Inc. All rights reserved.

PNC Bank, National Association.

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