FHA Loans from PNC Bank

Government-backed home loans with lower down payments.

Government loan program with more flexible qualification criteria than conventional loans.

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Provide preliminary information to start the pre-approval or loan process.

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Discuss your options with a mortgage loan officer.

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We're a Trusted Partner

You can feel confident choosing us as your financial partner for this important milestone in your life.

Whether you need to start the home buying process, looking for a Pre-Qualification[1] or need help after the closing, we’re available online, on the phone or face-to-face in your neighborhood branch. We’re with you every step of the way. We service most of our customers’ home mortgage loans.

Facts & Figures

If you’re a first-time homebuyer or looking for a low down payment loan, consider an FHA loan from PNC Mortgage. These government-backed loans have more flexible credit requirements and typically allow qualified buyers to purchase a home with lower down payments than traditional loans.

  • Standard fixed or adjustable rate loans are available
  • Down payments as low as 3.5%
  • Seller can assist with up to 6% of purchase price toward closing costs
  • The funds for your down payment or closing costs can be from a gift

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[3] or residing in a qualified community[3], 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**


Costs & Fees

Typically these fees range from 3% - 5% of the loan amount.

Home Insight® Planner

Set your budget. Search for homes. See real time rates.

  • Create a household profile to generate home affordability scenarios
  • View finances and adjust categorized expenses to find payment budget
  • Connect budgets, rates, products, and homes to understand what you can afford
  • Search for homes within your budget
  • Save homes you want as part of your home summary

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Top customer questions about FHA loans.

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Provide some preliminary information to begin the loan process today!

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With a Loan Officer:

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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Applying with PNC

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Important Legal Disclosures and Information

  1. Pre-approvals are subject to property underwriting and appraisal. Borrower must satisfy pre-approval conditions outlined in commitment letter. Loan amount subject to property appraisal.

  2. PNC Mortgage pay by phone transactions are free via our automated phone service or with agent assistance.

  3. 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.

**Additional requirements may apply.

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

PNC, PNC HomeHQ, PNC Home Insight, and Home Insight are registered service marks of The PNC Financial Services Group, Inc. ("PNC"). PNC has pending patent applications directed at various features and functions of Home Insight Planner and Home Insight Tracker. All loans are provided by PNC Bank, National Association, a subsidiary of PNC, and are subject to credit approval and property appraisal.

Equal Housing Lender

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