ARC is excited to offer multiple options for members looking for down payment and closing cost assistance when purchasing their first home. We process applications for The First Front Door federal grant program, with a deadline of May 19, 2026. For this program, the buyer cannot have owned a home in the past three years and must contribute at least $1,500 toward the purchase of their new home. Additional requirements for the program, such as completing a pre-approved homebuyer counseling course, meeting income guidelines for the program, and purchasing the home as your primary residence (no investment or commercial properties allowed) all apply. 

This grant program is designed to help members who may be ready to take on a mortgage payment, but are not able to front the large sum for a down payment and closing costs that can be a barrier to homeownership for many. Talk to a loan officer today for more details on the program and learn how to submit your application. DON'T WAIT! Funds for this program go fast!  

ARC also offers an in-house lender's credit of up to $4,000 on approved loans for first-time homebuyers who complete our pre-approved homebuyer counseling course. Take the first steps toward qualifying by completing all 3 sections of our First-Time Homebuyer Grant Program Rewards.

First-Time Homebuyer Grant Rewards

Call or text our loan department at 814-946-0857 or email loan@arcfcu.org for more details.