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First Front Door

First Front Door Program offers First Time Homebuyers up to $15,000.

The Keys to Equity Fund (Keys) & Qualifications:

The First Front Door Keys to Equity Fund (Keys) was established to expand access to home ownership opportunities for minority and first-generation first-time homebuyers as defined by FHLBank. By contributing a minimum of $1,000 toward down payments and closing costs, homebuyers in the Keys program are eligible for a maximum Keys grant up to $20,000.

  • 2025 Keys Funding will open on March 18, 2025.

First Front Door

First Front Door (FFD) provides down payment and closing cost assistance to eligible first-time homebuyers. By contributing a minimum of $1,500 toward down payment and closing costs, homebuyers are eligible for a maximum FFD grant up to $15,000.


Who Qualifies

FFD recipients must be first-time homebuyers, be pre-approved for a mortgage with Top Tier Federal Credit Union and have a household income of no more than 80% of your area’s median income.

You are considered a first-time homebuyer if:

  • ƒYou have not owned an eligible property used as your primary residence in the last three years.
  • This also includes, if purchasing jointly with other individuals, at least one person has not owned an eligible property used as a primary residence in the last three years.
  • ƒThis also includes any person that has owned an eligible property jointly with another individual and is now independently purchasing an eligible property.
  • ƒIf an investment property is owned, the person has not lived there and has not owned an eligible property used as a primary residence in the last three years.
  • 2025 First Front Door funding will open on April 22, 2025.

For More Information on First Front Door
Contact our Mortgage Team

Our expert mortgage team is here to guide you through every step of the home financing process. With personalized solutions and exceptional service, we make home ownership simple and stress-free.

Contact Us Today!

Call 814-226-5032 • Email mortgages@toptierfcu.org • Start your Mortgage application by clicking the button below

Susan Dinger

Mortgage Loan Officer – NMLS ID #1005883
sdinger@toptierfcu.org

Connie Earp

Mortgage Loan OfficerNMLS ID# 221222
cearp@toptierfcu.org

You Can Visit the First Front Door website by clicking the button below.

Top Tier Federal Credit Union 2025