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Tim Bradford 
Loan Consultant 
VM/Cell (216) 324-8113 
FAX 440-884-5034 

             

MB.803389.000
LO.007173.000

 

Downpayment Assistance Loan Programs
Cities in Cuyahoga County

The following Cities participate in a program that is administered by the
Department of Development of Cuyahoga County

( http://www.development.cuyahogacounty.us/en-US/down-payment-assistance.aspx )

Commencing June 1,2009 the County Commissioners have approved
Neighborhood Housing Services (NHS)
to operate our down payment program.

For Homes in Cleveland check out the "Afford-A-Home" Program



Here are the Cities that participate in there Program and general Information about their program. 
Some cities have additional information and a link is provided for those cities. 


Generally the funds available are up to the lesser of $10,000 or 17% of the Sales Price.
Depending on the program in some conditions the Downpayment assistance is forgivable

2011 Communities Served and Income Limits
2011 INCOME GUIDELINES
Household Income   Household Income
Size Limit   Size Limit
       
1 person $35,200   5 person $54,300
2 person $40,200   6 person $58,300
3 person $45,250   7 person $62,350
4 person $50,250   8 person $66,350
Eligible Communities -
Bedford, Bedford Heights, Berea, Brook Park, Brooklyn, Garfield Heights, Glenwillow, Highland Heights, Linndale, Maple Heights, Newburgh Heights, Oakwood, Richmond Heights, Shaker Heights, South Euclid, University Heights, Warrensville Heights.

 2008 thru 2010 Eligible Cities and Income Limits

Bay Village
Beachwood
Bedford
Bedford Hts.
Bentleyville
Berea
Bratenahl Village
Broadview Heights
Brook Park Brooklyn
Brooklyn Hts.
Chagrin Falls Twp
Cleveland Heights*
Cuyahoga Hts.
Euclid*
Fairview Park
Garfield Hts.
Gates Mills
Glenwillow Village
Highland Hts.
Highland Hills
Independence
Linndale
Lyndhurst
Maple Hts.
Mayfield Hts.
Mayfield Village
Middleburg Hts.
Moreland Hills
Newburgh Hts
North Olmsted
North Randall
North Royalton
Oakwood Village
Olmsted Falls
Olmsted Twp.
Orange Village
Parma*
Parma Hts.
Pepper Pike
 
Richmond Hts.
Rocky River
Seven Hills
Shaker Hts.
Solon
South Euclid
Strongsville
University Hts.
Valley View
Walton Hills
Warrensville Hts.
Westlake
Woodmere

*limited funds available for these communities

Income Eligibility Guidelines for Loan Programs

Household Size

1
2
3
4
5
6
7
8

2008
Maximum Income

$34,800
$39,750
$44,750
$49,700
$53,700
$57,650
$61,650
$65,600

2009&2010
Maximum Income

$36,300
$41,500
$46,650
$51,850
$56,000
$60,150
$64,300
$68,450

 

 

The Down Payment Assistance Program is available to income qualified first-time home buyers for the purchase of a home in one of fifty-three (53) suburban communities. The Down Payment Assistance program now offers three targeted assistance programs to better serve the community at large. Watch our website for our Vacant Land program offering.

Download the Trifold for Downpayment Assistance Program Brochure .

Download Application for Down Payment Assistance Program

WECO - Individual Development Accounts (IDA’s) are leveraged savings and investment accounts restricted to high return investments in education, homeownership and business development. The following are eligible uses:

Personal savings will be matched $2 for every $1 with a ceiling of $1500 in match dollars. The match will be provided upon completion of all program requirements.

Participants Savings Match Dollars Acquisition Purchase

$750 + $1,500 = $2,250

PROGRAM GUIDELINES

1. Household Income (employment, self-employment and / or social security).
 

Family Income Eligibility Guidelines

Family Size  Income Level
1 $21,660
2 $29,140
3 $36,620
4 $44,100
5 $51,580
6 $59,060
7 $66,540
8 $74,020
Based on 2009 HHS Federal Poverty Guidelines

2. Mandatory monthly savings -Participants are required to make regular monthly deposits to grow their accounts.

3. Mandatory attendance at monthly financial education classes - Participants will be required to attend a series of financial education classes. IDA participants will gain knowledge and participate in interactive learning, and networking.

4. Mandatory asset development counseling - All participants will be required to meet with a program counselor in order to develop and maintain a personalized asset development plan (includes asset goal, budget, and timeline).


Ohio First Time Home Buyer Grants Information
From www.downpaymentsolutions.com

As a first time home buyer, you should be sure to check out all of the valuable information available to you.

Ohio Housing Finance Agency
Office of Housing and Community Partnerships - the Ohio Department of Development
Community development corporations in Ohio
U.S. Department of Agriculture Rural Housing


 

City of Akron - Department of Planning and Urban Development
City of Canton - Department of Community Development
City of Lakewood - Department of Community Development
City of Mansfield - Department of Community Development
City of Massillon - Department of Housing
City of Toledo - Department of Neighborhoods


 

City of Springfield homeownership programs
Neighborhood housing partnership of greater Springfield
Ohio Housing Finance Authority


 

Programs Address Telephone
City of Cincinnati Two Centennial Plaza, Suite 700
805 Central Avenue
Cincinnati, OH 45202
(513) 352-3743
CityWest

 
Ezzard Charles Drive
Between Linn & John
Cincinnati, OH 45203
 
(513) 241-1281
Better Housing League

 
2400 Reading Road
Cincinnati, OH 45202 -1429
(513) 721-6855
Home Ownership Center of Greater Cincinnati
 
2820 Vernon Place
Cincinnati, OH 45219
(513) 961-2800
Corryville Community Development Corporation
 
2606 Vine Street
Cincinnati, OH 45219
(513) 281-7224
JIREH Development Corporation
 
1055 Laidlaw Avenue
Cincinnati, OH 45237
(513) 242-5200, ext. 115
Miami Purchase Preservation Fund
 
1832 Freeman Avenue
Cincinnati, OH 45214
(513) 241-0504
Over the Rhine Housing Network
 
220 East Clifton Avenue
Cincinnati, OH 45210
 
(513) 369-0004
North Fairmont Community Center
 
2569 St. Leo Place
Cincinnati, OH 45225
(513) 921-5842
Women's Research and Development Ctr.
 
1905 Elmore Street
Cincinnati, OH 45223
(513) 541-0541
Elisah Community Development Corporation

 
3400 Woodburn Ave
Cincinnati, OH 45207
(513) 221-5221
Working in Neighborhoods
 
3726 Llewellyn Avenue
Cincinnati, OH 45223
(513) 541-4109
Avondale & Walnut Hills Redevelopment Corporations
 
2601 Melrose Avenue
Cincinnati, OH 45206
(513) 281-7070
Camp Washington Community Board
 
2951 Sidney Avenue
Cincinnati, OH 45225
(513) 542-1637
Cincinnati Housing Partners
 
3329 Glenmore Avenue
Cincinnati, OH 45211
(513) 662-9729
Community Land Cooperative of Cincinnati
 
727 Ezzard Charles Drive
Cincinnati, OH 45203
(513) 721-2522


 

Programs Telephone
Clark Metro Development Corporation (216) 741-9500
City of Cleveland - Department of Community Development
Cleveland Housing Network (216) 574-7100
Glenville Development Corporation (216) 851-8724
The Consortium of Economic and Community Development, Inc. (216) 229-4277
Neighborhood Housing Services (216) 348-8325
Ohio Near West Development Corporation (216) 781-3222
Shaker Square Area Dev. Corp. (216) 751-9204
St. Clair Superior Coalition (216) 881-0664
Stockyard Area Development Association (216) 631-1270
Tremont Area Development Corporation (216) 575-0920
Union-Miles Development Corporation (216) 341-0757


 

Programs Telephone
City of Columbus homebuying programs  
Franklin County homebuying programs  
Columbus housing partnership (614) 221-8889
Columbus neighborhood housing services (614) 224-3603
Homes on the hill (614) 275-4663


 

Programs Address Telephone
Citywide Development Corporation 8 North Main Street
Dayton, OH 45402
(937) 226-0457
County Corps 40 West Fourth Street
Suite 1600
Dayton, OH 45402
(937) 225-6328
City of Dayton Dept. of Planning and Community Development 101 W. Third Street
Dayton, OH 45402
(937) 333-2981
City of Kettering 3600 Shroyer Rd
Kettering, OH 45429
(937) 296-2441
HomeOwnership Center of Greater Dayton 371 West Second St.
Dayton, OH 45402
(937) 853-1602
St. Mary's Development Corporation 713 West Grand Avenue
Dayton, OH 45406
(937) 259-1880
Dayton View Community Development Corp. Dayton, OH (937) 333-3310
Ecumenical Neighborhood Development Corp. 327 South Paul Laurence Dunbar Street
Dayton, OH 45407
(937) 222-2577
Innerwest Community Development Corporation 1024 West 3rd Street
Dayton, OH 45402
(937) 333-6544
Oikos Community Development Corp. Dayton, OH (937) 278-9096


 

Programs Neighborhood Housing Services of Middletown, Inc.

 
Address Telephone
1326 Central Avenue
Middletown, OH 45044
(513) 420-9193
Neighborhood Housing Services of Hamilton, Inc.

 
100 S. Martin Luther King, Jr. Blvd.
Hamilton, OH 45011
(513) 737-9301


 

Community Phone Websites
Akron (330) 375-2770 www.ci.akron.oh.us/
Alliance (330) 829-2235 www.cityofalliance.com/
Barberton (330) 848-6729 www.cityofbarberton.com/
Bowling Green (419) 354-6220 www.bgohio.org
Canton (330) 489-3258 www.cityofcanton.com/
Cincinnati (513) 352-6264 www.cincinnati-oh.gov/
City of Sandusky (419) 627-5873 www.ci.sandusky.oh.us/
Cleveland Heights (216) 291-4878 www.clevelandheights.com/
Columbus (614) 645-7492 ci.columbus.oh.us/
Dayton (937) 333-3809 www.ci.dayton.oh.us/
East Cleveland (216) 681-2322  
Elyria (440) 322-3900 www.ci.elyria.oh.us/
Euclid (216) 289-8158 www.ci.euclid.oh.us/
Fairborn (937) 754-3016 ci.fairborn.oh.us/
Hamilton (513) 875-7350 www.hamilton-city.org/
Kent (330) 678-8108 www.kentohio.org/
Kettering (937) 296-2441  
Lakewood (216) 529-6630 www.ci.lakewood.oh.us/
Lancaster (740) 687-6663 www.ci.lancaster.oh.us/
Lima (419) 221-5146 www.cityhall.lima.oh.us/
Lorain (440) 204-2020 www.cityoflorain.org/
Mansfield (419) 755-9793 www.ci.mansfield.oh.us/
Marietta (740) 373-9354 mariettaohio.info/
Massillon (330) 830-1721 www.massillonohio.com/
Mentor (440) 255-1100 www.cityofmentor.com/
Middletown (513) 425-7941 www.ci.middletown.oh.us/
Newark (740) 349-6695 www.ci.newark.oh.us/
Parma (440) 845-8444 www.cityofparma-oh.gov/
Springfield (937) 324-7371 www.ci.springfield.oh.us/
Steubenville (740) 283-6076 www.ci.steubenville.oh.us/
Toledo (419) 245-1400 www.ci.toledo.oh.us/
Warren (330) 841-2595 www.warren.org
Youngstown (330) 744-0854  
Butler County (513) 887-3413 www.butlercountyohio.org/
Cuyahoga County (216) 443-7260 www.cuyahoga.oh.us
Franklin County (614) 462-5631 www.co.franklin.oh.us/
Hamilton County (513) 946-4888 www.hamilton-co.org/
Lake County (440) 350-2740 www.lakecountyohio.org/
Montgomery County (937) 225-6341 www.co.montgomery.oh.us/
Stark County (330) 451-7389 www.co.stark.oh.us/
Summit County (330) 643-2569 www.co.summit.oh.us/
State of Ohio (614) 466-2285 www.state.oh.us/

 

 

Agency / Orginization / City / County Grant LIMIT Phone
Numbers
Ashtabula County Community Housing Improvement First Time Homebuyers Assistance Program (FTHB) 6,000. (440) 576-3853
Athens Home Ownership Made Easier Program (HOME) $10,000 (740) 592-3342
Cincinnati Metropolitan Housing Authority Hope VI Subsidy $112,275 (513) 977-5729
Cincinnati The Home Ownership Center of Greater Cincinnati Inc Empowerment Zone Downpayment Assistance Program (DAP) $2,500 (513) 961-2800
Cleveland Neighborhood Housing Services of Cleveland Inc Downpayment Closing Cost Assistance Loan (DPCCAL) $25,000 (216) 361-0516
Cleveland, Action to Support Housing Second Mortgage Assistance Program (SMAP) $20,000 (216) 621-7350
Columbus School District Columbus Neighborhood Housing Servies Inc. Downpayment Assistance Program (DAP) $2,000 (614) 224-3603
Dayton Citywide Building Finance Corporation Neighborhood Lending Down Payment Assistance Program (NLDPAP) $3,000 (937) 226-0457
East Cleveland Home Ownership Program (HOP) $3,700 (216) 681-2404
Franklin County Columbus Housing Partnership Down Payment Assistance Program $3,000 (614) 221-8889
Franklin County Down Payment Assistance Program (DPAP) $5,000 (614) 221-8889
Hamilton County Greater Cincinnati Mortgage Counseling Service American Dream Accounts Programs (ADAP) $2,500 (513) 948-8820
Hancock County First Time Home Buyer Grants Program $6,000 (419) 424-7094
Kettering First Time Homebuyers Program (FTHP) $2,500 (937) 296-2401
Lancaster Homebuyer Acquisition Assistance Program (HAAP) $5,000 (740) 687-6663
Madison County Community Housing Improvement Program (CHIP) $33,000 (614) 445-8373
Mansfield Homebuyer Assistance Program (HAP) $10,000 (419) 755-9793
Massillon Homebuyer's Assistance Program (HAP) $6,250 (330) 830-1717
Montgomery County - County Corp Lease Purchase Program (LPP) $5,000 (937) 225-6328
Montgomery County - County Corp. Downpayment Plus Program(DPP) $2,500 (937) 225-6328
Morgan / Washington Counties Community Housing Improvement Program (CHIP) $4,000 (740) 373-6623
Multi Counties Better Housing League of Greater Cincinnati/Ohio Trust Fund Gift Program (GIFT) $2,000 (513) 721-6855
Multi Counties Rural Opportunities Inc First Time Homebuyer Program (FTHP) $2,500 (330) 297-6400
Multi County Greater Cincinnati Mortgage Counseling Service Downpayment Assistance Program  (DAP) $2,000 (513) 948-8820
Ohio North Fairmont Community Center Grant Program $1,000 (513) 921-5842
Ohio Three Rivers Housing Corporation Downpayment Assistance Program (DAP) $40,000 (740) 797-7139
Shaker Heights Neighborhood Revitalization Department Funds for the Future of Shaker Heights Program  (FFF) $12,000 (216) 491-1330
Sidney Community Housing and Improvement Program (CHIP) $5,700 (419) 352-7537
Springfield Home Purchase & Rehabilitation Incentive Program $25,000 (937) 324-7368
Springfield Redevelopment Corp. Downpayment Assistance Program $3,000 (937) 322-4623
Van Wert County Homebuyer Assistance Program
 
$6,600 (419) 238-4544
Warren County First Time Homebuyers Assistance - Deferred Loan Program (DLP) $55,000 (513) 695-1259
Youngstown Homebuyer Program (HP) $3,000 (330) 744-0854

Tim Bradford 
Loan Consultant 
VM/Cell (216) 324-8113 
FAX 440-884-5034 

        

MB.803389.000
LO.007173.000

Tim Bradford -- OHIO MB.803389/LO.007173 ---- NMLS CO.142066/LO.250013

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