Cuyahoga County Down Payment Assistance Program

Eligible homebuyers can receive downpayment assistance in the amount of 17% of total transaction, with a maximum amount of $24,999. Total transaction calculates as purchase price plus 5% of purchase price for closing costs. Homebuyer will be responsible for a minimum of 3% of total transaction contribution towards the purchase. The assistance is provided in the form of a deferred mortgage loan, 50% forgiven after 5 or 10 years of occupancy, determined by amount of assistance provided, 50% due on sale or transfer of property.

The Cuyahoga County Down Payment Assistance Program is administered by Neighborhood Housing Services of Greater Cleveland.


The Vacant/Abandoned Forgivable Loan provides for the loan to convert into a grant for homebuyers that purchase a qualified property, as verified by the local community, in a community that we serve, and who live there for five (5) years.


  • Single family, owner-occupied
  • Existing houses or new construction
  • Property must be occupied by the seller, or vacant for at least 90 days before closing
  • Property must be inspected for code violations and for defective paint
  • Code violations and defective paint must be corrected before the buyer can take title or occupy the house

Rate, broker fee, origination fee, and points of the first mortgage must not be excessive for the type of mortgage obtained by the buyer: Conventional, VA or FHA. No balloon payment or prepayment penalties are allowed.


Effective 06/01/2018, the U.S. Dept. of HUD adjusted the maximum purchase price limits for HOME assisted single-family houses. The limit for single family houses for the Cleveland-Elyria-Mentor MSA is now $131,000.00.


  • Homebuyers may not have owned a home in the past 3 years.
  • Homebuyers must occupy the dwelling as their primary residence.
  • Homebuyers total household income cannot exceed the stated income limits and they must be current on all taxes.
  • Loan to Value (LTV) of first mortgage may not exceed 80%.
  • Housing Debt to Income (DTI) ratio may not exceed 28%.
  • Overall DTI ratio may not exceed 43%.
  • Applicant’s liquid assets must not exceed $7,500 or 6 months PITI (plus MI and HOA), whichever is greater, after buyer contribution.

PLEASE NOTE: If you are under contract and/or have a purchase agreement in place before the dated certificate of completion you are not eligible for this program. For the Cuyahoga County Down Payment Assistance program, no internet-based home buyer education program can be used in place of in person counseling.



1 person $39,600.00
2 person $45,250.00
3 person $50,900.00
4 person $56,550.00
5 person $61,100.00
6 person $65,600.00
7 person $70,150.00
8 person $74,650.00


  1. Homebuyer must contact NHS to register for Homebuyer Education Classes by calling 216-458-4663 x 2325. Questions may be emailed to
  2. Homebuyer completes the NHS Homebuyer Education Classes, counseling, and receives their certificate prior to signing a purchase agreement. (Note: Each participant is evaluated on mortgage readiness)
  3. Upon receiving certificate, Homebuyer will receive the Down Payment Assistance application and eligibility requirements
  4. Homebuyer contacts eligible lender and receives pre-approval from lender.
  5. Homebuyer contacts real estate agent, identifies property, and signs purchase agreement (Note: It is suggested that you request 60 days for title transfer)
  6. Homebuyer submits application and all supporting documents (listed in DPA application) to NHS for review (Credit Report will be ordered at the expense of the Homebuyer)
  7. NHS will issue a conditional commitment based on household income, debts and purchase price, contingent upon receiving first mortgage lender documents to verify appraised value, LTV, and DTI. At which time if DTI or LTV exceed maximum limits the application will be denied.
  8. First mortgage lender submits required documents
  9. Final approval issued if all conditions have been satisfied
  10. Closing
  11. Downpayment Assistance funds wired to escrow agent

Applicants who are employees, spouses, contractors, and immediate family members of public agencies and non-profit institutions that are recipients of HOME funds will be asked to complete a form allowing NHS of Greater Cleveland to confirm with an applicant’s employer that their work does not create a conflict of interest.


Bay Village
Bedford Heights
Bratenahl Village
Broadview Heights
Brook Park
Brooklyn Heights
Chagrin Falls
Chagrin Falls Township
Cuyahoga Heights
Fairview Park
Garfield Heights
Gates Mills
Glenwillow Village
Highland Heights
Highland Hills
Maple Heights
Mayfield Heights
Mayfield Village
Middleburg Heights
Moreland Hills
Newburgh Heights
North Olmsted
North Randall
North Royalton
Oakwood Village
Olmsted Falls
Olmsted Township
Orange Village
Parma Heights
Pepper Pike
Richmond Heights
Rocky River
Seven Hills
Shaker Heights
South Euclid
University Heights
Valley View
Walton Hills
Warrensville Heights


Affinity Lending Solutions LLC
American Eagle Mortgage
American Midwest Mortgage
Amerifirst Home Mortgage
Bank of America
Bank of England
Cardinal Community Credit Union
CF Bank
Citizens Bank
Cross Country Mortgage
Dollar Bank
Evolve Bank and Trust
Fairway Independent Mortgage
Fifth Third Mortgage
First Federal Community of Bucyrus
First Federal of Lakewood
First Priority Financial
First Security Mortgage Corp
Guaranteed Rate
Howard Hanna Mortgage
Huntington Mortgage Group
Key Bank
Lorain National Bank
Nations Lending Corp
NVR Mortgage
PNC Mortgage
Polaris Home Funding Corp
Portage Community Bank
Primary Residential Mortgage
Pulte Mortgage
Schmidt Mortgage
Stonegate Mortgage Corp
Talmer Bank and Trust
The Equitable Mortgage Corp
Third Federal Savings and Loan
U.S. Bank National Association
Union Capital Mortgage
Union Home Mortgage Corp
US Bank Home Mortgage
Wells Fargo Home Mortgage
Westfield Bank


Please note that all terms are subject to change. For more information on the Cuyahoga County Down Payment Assistance Program, please contact Bridget Holmes at NHS of Greater Cleveland at 216-458-4663 ext 2325 or


5 responses to “Cuyahoga County Down Payment Assistance Program

  1. John J. Lynch says:

    Please provide more info

  2. This is insanity – communities should put a stop to this cycle. Stop using tax dollars to prime blight and flipping of properties. Kill the Cuyahoga Land Bank and rein in the use of federal monies to prime home ownership. Government should not be in the real estate business. It is a recipe for graft and corruption.

    • LaTonya says:

      This is a great program. The opportunity for home ownership should be afforded to all Americans who would choose. There are qualifications for the program.

  3. Latonya Fisher says:

    I think this is a wonderful opportunity for someone who might need assistance getting started. This decreases the inventory for “investors” who have little or no interest in a community.
    This also helps to ensure that the purchaser has a vested interest in the home from the beginning of the transaction to move in.
    The program prepares homebuyers so that they are not shocked by home ownership.

  4. Terri Altieri says:

    Just closed a deal with the NHS Program. It was a good experience for my buyer who would not have been able to buy a home on her own without it. It helps those to reach for the unthinkable.

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