The Affordable Housing Program (AHP) offers grants and loans to help our members partner with community developers and public agencies to create affordable housing in local communities.
AHP helps individuals and families live in secure and stable housing by providing funding to support expanding or preserving the affordable housing supply. Federal Home Loan Bank of Pittsburgh (FHLBank) member financial institutions partner with developers to apply for grants or subsidized loans through a competitive annual application process to acquire, construct or rehabilitate affordable rental and owner-occupied homes. Households earning at or below 80% of the area median income are eligible to live in an AHP-funded home.
The last three AHP funding round highest and lowest approved scores were:
2025: 80 highest; 69 lowest (resulted in tiebreaker)
2024: 78.5 highest; 67.5 lowest
2023: 75 highest; 65 lowest (resulted in tiebreaker)
To accommodate individuals impacted by recent natural disasters, FHLBank is now permitted to temporarily allow vacant rental units assisted by the Affordable Housing Program to be temporarily leased to individuals/households, regardless of their income, who were displaced by select disasters. Prior to accepting households that may qualify, project sponsors must notify and receive the written approval from FHLBank. Sponsors may email ahp@fhlb-pgh.com for further information and assistance.
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AHP Online Disbursement Guide for Members |
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AHP Online Disbursement Guide for Sponsors |
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AHP Online Extension Request Guide for Sponsors |
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AHP Online Project Completion Report Guide for Sponsors |
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AHP Online Semi-Annual Progress Report Guide for Sponsors |
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AHP and VHG Retention Information |
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AHP Online Disbursement Guide for Members |
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AHP Online Disbursement Guide for Sponsors of Owner-Occupied Projects |
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AHP Online Disbursement Guide for Sponsors of Rental Projects |
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AHP Online Project Completion Report Guide for Sponsors of Homeownership Projects |
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AHP Online Project Completion Report Guide for Sponsors of Rental Projects |
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AHP Online Semi-Annual Progress Report Guide for Sponsors |
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AHP Online Sponsor Registration Guide |
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Income Guidelines |
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Rent Calculation Guidance |
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2024 AHP and Voluntary Housing Grant Initiative Awardee Webinar |
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2024 AHP and Voluntary Housing Grant Initiative Awardee Webinar |
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2025 AHP and Voluntary Housing Grant Initiative Fundamentals Webinar |
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2025 AHP and Voluntary Housing Grant Initiative Fundamentals Webinar |
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AHP Online Income Workbook Webinar |
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FHLBank members benefit from AHP in a variety of ways.
AHP grants and loans can be used for:
AHP grants and loans can support the development of housing intended for underserved populations. These housing projects may be targeted to very low-income households, individuals with special needs, the homeless or veterans, among others. Typically these projects are service enriched, and the project sponsors are able to offer a menu of supportive services, such as counseling, vocational and educational services; medical support; and other forms of assistance funded through complementary sources.
Each AHP application must be completed by a project sponsor (i.e., housing developer or public agency) and submitted by an FHLBank member.
FHLBank members that are interested in participating in AHP and looking to connect with project sponsors, as well as sponsors in need of an FHLBank member to support their AHP application, can now request an organizational match by completing the AHP Member/Sponsor Match Request Form. Once you request a match, we will contact you to learn more about your organization's needs and help identify a possible AHP application partner.
All AHP applications must be submitted to FHLBank electronically via AHP Online, accessed through the Bank's transaction site.
Members that do not currently have access to AHP Online can acquire it through their institution's Security Administrator (SA), who manages all access and roles for their institution.
Use the Registering in AHP Online guide for step-by-step instructions.
Project sponsors who already registered in AHP Online in previous funding rounds can still use their existing login and password information. Project sponsors new to the system must register as a new user.
If you have lost your password, or if you are not sure whether or not you are successfully registered in the AHP system, please call the FHLBank's Community Investment Department at 800-288-3400, option 3, for assistance.
Once a funding round opens, sponsors may initiate their application in AHP Online. To initiate an application, you must be a registered user and have the following information available:
We recommend beginning this process early in the round. The AHP application is lengthy and requires information from multiple sources.
AHP applications receive scoring points based on a variety of criteria, as defined in the AHP Implementation Plan. The highest scoring applications qualify to receive AHP funding. As all application submissions are considered final, it is important to submit a complete application.
Applications must be in 'Member Approved' status by the funding round deadline to be accepted. This is accomplished by the following steps:
All applications are reviewed by Bank staff, and the AHP grant awards are announced on the designated date.
Affordable Housing Program Implementation Plan approved by FHLBank's Board of Directors on February 14, 2025.
A guide to help new project sponsor contacts register in AHP Online.
Our Affordable Housing Program provides grants and subsidized loans to affordable housing developers that are engaged in creating or rehabilitating affordable housing - up to $1,500,000 per project.
Our Affordable Housing Program (AHP) is a source of flexible grants and subsidized advances for affordable housing development. Our members are the link between developers and those funds.
FHLBank members and project sponsors can complete this form and submit for assistance in connecting with potential partners.
List of census tracts eligible for consideration under the Low-Income Minority Area scoring category.
Use the Registering in AHP Online guide for step-by-step instructions.
Our members are the link between our cooperative’s funds and local housing needs. First Columbia’s support of this project is a testament to their commitment to serving the needs in their backyard and demonstrates how the FHLBank’s AHP can help to address those needs.”