Matched Savings for Tomorrow

The Matched Savings for Tomorrow (MST) program assists low to medium income individuals and/or households to acquire a productive asset through regular saving. 


Participants may save for any of the following purposes:

  • Down payment or closing costs for buying a first-time home

  • Post-secondary education for self or child

  • Business start-up costs

  • Purchase of a vehicle needed to travel to a job


Participants are required to make equal deposits to their designated MST savings account at least monthly and to save for a minimum of 6 months, up to a maximum of 24 months.  The MST program will match participants’ savings at a rate of $2 dollars for every $1 dollar saved, up to a maximum match of $2,000. 


In order to apply for the MST program, applicants must be at least 18 years of age and reside in Lancaster County.  


In order to be approved for enrollment in the MST program, applicants must:

  • Demonstrate household income at or below 80% of Area Median Income (AMI) for Lancaster County

  • Demonstrate the ability to set aside at least 5% of household net income per month to build an emergency savings cushion, in addition to saving for the asset to be acquired through MST


Applicants applying to save for first-time home purchase must have a credit score of at least 550 and a maximum debt-to-income ratio of 50% or lower.


Call 397-5182, ext. 151 for information on applying for the program.


Rodgers & Associates is the Lead Sponsor for the Matched Savings for Tomorrow program.


The Ann B. Barshinger Financial Empowerment Center for Lancaster County