Home at Last

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

Program Brochure

Lender Checklist

Program Application

Seller's Affidavit

City Inspection Checklist

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.

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

Counseling Agencies

Title Companies