Offers down payment and closing cost assistance to first-time home buyers who are purchasing within the City of Lima. Prospective homeowners can earn up to $10,000 towards down payment closing costs. Client will participate in mandatory home ownership classes. Homeowners who remain in their homes for 5 years can have their $10,000 loan totally forgiven.

A Direct Loan Program is available to purchase modest homes in rural areas, which requires no down payment and may include subsidized payments.

Provides up to a $30,000 forgivable loan to use for down payment and/or closing costs associated with the purchase of an owner-occupied residential property in Greater University Circle.

Issues mortgage loan funds to assist low-income individuals or households with the purchase of a home in a rural area. Funds can be used to purchase an existing home or build a new home.

Provides below market rate mortgages for home purchases. Mortgage does not require down payment or closing costs. Participants receive home ownership counseling. They are a HUD Certified Housing Counseling Site.

Provides loans to purchase homes and provides home rehabilitation grants for older adults. (in eligible rural areas)

Offers first-time homebuyer's down payment and closing cost assistance and a favorable mortgage interest rate through Ohio Housing Finance Agency's (OHFA) Down Payment Assistance Program. Gives eligible borrowers use of the grant to reduce the out-of-pocket expenses associated with buying a home.

Offers an array of services including foreclosure prevention, credit and budget counseling, financial education, and homebuyer education (including down payment assistance).

Provides financial and other forms of assistance to veterans, their dependents and survivors. Major benefits include veterans’ compensation, veterans’ pension, survivors’ benefits, rehabilitation, employment assistance, education assistance, home loan guaranties, health insurance, burial benefits and life insurance coverage.

Provides foreclosure prevention loan modification and refinancing programs.

If paying for a down payment and closing costs have kept you from getting into a home of your own, Your Choice! Down Payment Assistance allows homebuyers to choose either 2.5% or 5% of the home’s purchase price. Assistance can be applied toward your down payment, closing costs or other pre-closing expenses. Down payment assistance is forgiven after seven years. If you sell or refinance your home within seven years, you must repay all of the assistance provided. If you qualify for one of OHFA's home loan products, you can choose to take advantage of the Down Payment Assistance: - OHFA will issue assistance in an amount of 2.5% of your home's purchase price. - You can use the assistance to pay for the down payment, closing costs, or other prepaid expenses incurred prior to closing. Keep in mind that while the assistance will greatly reduce your expenses, you may still be required to pay for some costs out of pocket. - If you take advantage of the assistance, your mortgage interest rate will be up to .5% higher than OHFA's current mortgage rates. - The down payment assistance will be issued as a second mortgage with a 0% interest rate and no payment due. The loan is forgivable after five years. However, if you sell or refinance prior to the five-year mark, you are responsible for paying the assistance back to OHFA.

USDA Rural Development assists homeowners with foreclosure prevention and refinancing programs.

Offers a mortgage rate discount to full-time employees in the following professions: Active Military, Emergency Medical Technicians, Firefighters, Healthcare Workers, Military Veterans, Paramedics, Police Officers and Teachers.

Provides important information regarding the various programs implemented under TARP, including those designed to help struggling homeowners avoid foreclosure.

Provides assistance to improve and provide affordable housing for low- and moderate-income residents by assisting with home rehabilitation and repairs to improve resident's health and safety as well as home buying. Funds are limited by availability. *Repairs and renovations may include repair or replacement of defective furnaces, severely leaking roofs, water infiltration, gas line breaks, septic system issues, structural problems caused by collapse of a roof, porch or foundation and repairing damage caused by fire or wind. Other maintenance issues that cause health and/or safety problems for occupants may also qualify as a home repair. *Funds may be available for down-payment assistance combined with home rehabilitation.

Provides funds for first time homebuyers to purchase a home. These loans are available to income qualified homebuyers for eligible costs including title search, legal fees, and closing costs.

Provides various options for refinancing home loans.

Government subsidized low income rural homes available for buyers in rural areas who do not have decent housing

Provides first-time homebuyers whose income falls below the threshold are eligible for up to $7,500 to use toward the purchase of a home, and up to $9,500 in target neighborhood.

Also known as the Section 502 Direct Loan Program, this program assists low- and very-low-income applicants obtain decent, safe and sanitary housing in eligible rural areas by providing payment assistance to increase an applicant’s repayment ability. Payment assistance is a type of subsidy that reduces the mortgage payment for a short time. The amount of assistance is determined by the adjusted family income.

Provides land-use and infrastructure planning, grant writing, economic development, fair housing local government contact (except for Warren and Niles), affordable housing, zoning and subdivision reviews, floodplain administration, mapping, and information services. Most funding programs and services provided are available to persons living outside of most cities and villages. Please call to request information for each program as it varies.

Programs that make home loans and loan guarantees available to rural low income families where they live who do not qualify for a conventional loan. Direct loans are made for the purchase of a new home or for new home construction including site preparation. The loan guarantee program guarantees loans made by private lenders. Under the terms of this program, families may borrow up to 100% of the appraised value of a home eliminating the need for a down payment, a barrier to home ownership frequently faced by families with low incomes.

Offers purchasing assistance to first-time homebuyers. Assistance may include obtaining a 30-year fixed mortgage loan and grants for down payment assistance.

Offers qualifying first-time homebuyers the opportunities to choose from conventional and government-insured loans, all with 30-year fixed-rate mortgages, competitive interest rates, and down payment assistance to reduce out-of-pocket expenses. - Government-insured loans including traditional Federal Housing Administration (FHA), VA, USDA-Rural Development loans, and 203-K (streamline).

Offers recent college graduates, including those earning postgraduate degrees, a down payment and closing cost assistance and a favorable mortgage interest rate through Ohio Housing Finance Agency's (OHFA) Grants for Grads Program. Gives eligible borrowers the ability to use the grant to reduce out-of-pocket expenses associated with buying a home. OHFA partners with a variety of lenders including banks, mortgage companies and credit unions throughout the state.