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Making Home Ownership a Reality
Citadel Home Help
Applications for Citadel’s Home Help Program are now closed following the successful use of the program’s dedicated funding.
Since launching in August 2025, Home Help has helped hundreds of Philadelphia residents take an important step toward homeownership. We are proud of the program’s impact and remain committed to helping individuals and families build financial strength.
Citadel is developing a new homeownership assistance program, with additional details expected in early 2027.
In the meantime, please complete the form below to be contacted by a Citadel representative and learn how we may still be able to help with your homeownership goals.
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LEARN MORE1 Amounts available only for eligible majority-minority census tracts located within Philadelphia County. Please contact Citadel Credit Union for information regarding qualified census tracts.
2 Borrowers may receive up to $12,000 per qualified transaction on the Closing Disclosure, secured by a first mortgage or deed of trust (new loan), subject to qualification, approval, and closing with Citadel Federal Credit Union. The total amount of any grant may change based on loan terms, first mortgage program requirements, Home Help Program restrictions, and agency/investor limitations. Only one Home Help grant is permitted per transaction. Not all loan types are available to all borrowers. Borrowers will be subject to qualification and must satisfy all underwriting requirements and conditions. Not all borrowers will qualify. Please speak to your Citadel Mortgage Advisor or Loan Officer and carefully consider each of your home financing options so you can determine the home loan program that is right for you.
3 Fixed Rate Mortgage Terms. Rate expressed as Annual Percentage Rate (APR) and is subject to change without notice. Offer can be withdrawn at any time. APR shown is for first-lien position loans up to 95% Loan-To-Value (LTV) on single-family owner-occupied properties in PA, NJ, MD, and DE. Various APRs and terms may be available. Loans will require borrower to purchase title insurance and appraisal. Lender fees will apply. LTVs above 80% must escrow taxes. LTVs below 80% may escrow taxes at request of homeowner. Offer is subject to credit approval, income verification and appraisal. Property insurance is required. If the collateral is determined to be in a special flood hazard area, flood insurance is required. Properties currently listed for sale are not eligible. Property cannot be a co-op or mobile home. Other restrictions may apply. Rate current as of .