Home at Last

Down payment assistance for eligible first-time home buyers. Close in 21 days.

Eligibility

First-time home buyers 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 neighborhoods.

  • The buyer must not have purchased or owned a home during the past three years.
  • Existing residential property must be decent, safe, and sanitary.
  • Single-family or condominium homes only.
  • Homebuyers must make a minimum $500 contribution, which includes payment of a required home inspection.
  • Homeownership counseling must be received as the first step in the process from a HUD-approved agency.
  • Home At Last application submitted by a participating lender with assistance provided as a grant at closing on the home purchase.
  • Visual paint inspection by a licensed lead risk assessor will be provided by the City.
  • Property must be located within the City of Toledo corporation limits.

Income Requirements

Income maximums are set at 80% of HUD area median income.

Household Size Max Annual Income Max Monthly Income
1 $46,150 $3,846
2 $52,750 $4,396
3 $59,350 $4,946
4 $65,900 $5,492
5 $71,200 $5,933
6 $76,450 $6,371
7 $81,750 $6,813
8 $87,000 $7,250

Program Overview

  • Complete housing counseling. Make sure you're ready for home ownership.
  • Contact a lender. Participating lenders listed below.
  • Get pre-approval for a fixed-rate mortgage. Must be from participating lender.
  • Complete homeownership counseling. Participating agencies listed below.
  • Find a house and get an accepted purchase agreement. Based on your pre-approval.
  • Have the property inspected by the City. To schedule inspection or for any other questions, please contact Ebenezer Osei-Kwame at Ebenezer.Osei-Kwame@toledo.oh.gov or at 419-245-1416.
  • Complete application. Work with your lender to submit to the City of Toledo.
  • Monitor transaction with your lender. Money will be available at the title company once processed.

Participating Lenders

5/3rd Bank Faye Smith 419-574-3968
Benchmark Tina Mahn 419-517-8818
Citizens Bank Anna Johnson 608-449-3806
Croghan Colonial Bank Teresa Joseph 419-355-2258
Croghan Colonial Bank Heather Schiets 419-464-3027
Equity Resources/Greentree Mortgage Lisa Traxler 419-297-7805
Fairway Independent Mortgage CorporatioMichael Simmons
Lisa Conner
419-481-8583
330-778-3112
Farmers & Merchants State BankJeremy Davis419-466-2501
Geneva FinancialJennifer Abke419-699-1453
Grande Financial Inc.Laurie Bobrick419-893-5626
Guaranteed RateRudy Ondrus419-360-1928
GVC Mortgage, Inc.John Kirk765-778-0809
Huntington Bank Julie Lee 419-320-0909
Key Bank Jennie Meyers
John Frank
419-885-6796

419-891-3095

Maumee Valley Habitat for Humanity Erin McPartland 419-382-1964
NeighborWorksAlesha Hall419-691-2900
Midwest Mortgage Bill Gilsdorf 419-842-0505
PNC Bryan Buckholtz 330-620-0328
Premier Bank Tammy Moses 419-794-5018
Ruoff Home MortgageTony Brancatto419-450-5442
State Bank & Trust JacQuelon C. Wilson 419-508-0806
Toledo Urban Federal Credit Union Suzette Cowell 419-255-8876
Union Home Mortgage Corp. Shannon Henegar 567-686-0915
Sun Federal Credit UnionDee Glover419-794-7422
Superior Credit UnionNick Alexander419-246-5905

Counseling Agencies

NeighborWorks Toledo Region Lisa Urbanyl 419-691-2900 ext. 325 or 331
NID Housing Counseling Agency Rob Pasker 419-504-5188

Title Companies

Area Title Agency Stacie Rains 419-242-5485
Louisville Title Tori Crowell 419-248-4611

Last updated: 08/21/2023