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Buy a Home > Cuyahoga County DPA Program



Since June of 2009, Neighborhood Housing Services of Greater Cleveland has administered the Cuyahoga County Down Payment Assistance Program, providing more than $1.29 million in assistance and leveraging more than $9.4 million in investment in Cuyahoga County. 

Down payment assistance, in excess of a minimum 3% that a home buyer would be required to provide from their own funds, is available to income qualified first-time home buyers for the purchase of a home in an eligible Cuyahoga County community. The assistance is provided in the form of a deferred mortgage loan (50% forgiven after 10 years of occupancy) that must be used for eligible costs, and it need not be repaid until re-sale or transfer of the property.

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 Homebuyer Education Program can be used in place of in-person counseling. Learn about our Homebuyer Education classes here.  

For a printable description of this program, or additional details, please contact Vicktoria Kotov, NHS of Greater Cleveland's Operations Manager of Lending [NMLS #1083480 | LO #.022861.001] by phone at 216-458-4663 x 2324 or by email.


  • 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


  • Title Search fees
  • Recording fees
  • Filing fees
  • Credit Reports
  • Pre-purchase inspection
  • Buyer’s legal fees
  • Appraisal

Rate, broker fee, origination fee, and points of the first mortgage must not be excessive (not to exceed 2.00% of the first mortgage loan amount) for the type of mortgage obtained by the buyer: conventional, VA or FHA. First mortgage must be fixed with no balloon payment or prepayment penalty allowed.


Borrowers will qualify for 17% of purchase price (up to $21,760) plus closing costs, with total assistance not to exceed $24,999. 

Cuyahoga County Down Payment Assistance Program participants cannot exceed more than $7,500 or 6 months of PITI, whichever is greater, of liquid assets after buyer contribution.


  • 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 limits below and they must be current on all taxes.


Bay Village, Beachwood, Bedford, Bedford Heights, Bentleyville, Berea, Bratenahl Village, Broadview Heights, Brook Park, Brooklyn, Brooklyn Heights, Chagrin Falls, Chagrin Falls Township, Cuyahoga Heights, Fairview Park, Garfield Heights, Gates Mills, Glenwillow Village, Highland Heights, Highland Hills, Independence, Linndale, Lyndhurst, 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, Parma Heights, Pepper Pike, Richmond Heights, Rocky River, Seven Hills, Shaker Heights, Solon, South Euclid, Strongsville, University Heights, Valley View, Walton Hills, Warrensville Heights, Westlake, Woodmere


  • Affinity Lending Solutions LLC
  • American Eagle Mortgage
  • American Midwest Mortgage
  • Bank of America
  • Bank of England
  • Cardinal Community Credit Union
  • CF Bank
  • Charter One
  • Chase
  • 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 Merit Mortgage
  • 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
  • PrimeLending
  • Pulte Mortgage
  • Schmidt Mortgage
  • Stonegate Mortgage Corporation
  • Talmer Bank and Trust
  • The American Eagle Mortgage Company
  • The Equitable Mortgage Corporation
  • 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

Applications will be available at NHS of Greater Cleveland upon receiving a certificate of completion and the presentation of pre-qualified lender document and submitted through your first mortgage lender.

2015 HOME Program Total Household Income Limit - Cuyahoga County


Household Size

Income Limit

1 person


2 person


3 person


4 person


5 person


6 person


7 person


8 person



Applications are available at NHS of Greater Cleveland and submitted through your first mortgage lender, call 216.458.HOME (4663) to register.

Program available for a limited time and only while funds are available. Program may be withdrawn and/or changed at any time, including adding required steps that may not be listed on this website. Call for the most current requirements.

NOTE: 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.

Changes in HOME Homeownership Value Limits

Effective June 1, 2015, the U.S. Dept. of HUD has 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 $128,000. The new HOME homeownership value limits for existing HOME units is 95 percent of the median purchase price for the area based on Federal FHA single family mortgage program data for existing housing and other appropriate data that are available nation-wide for sale of existing housing in standard condition. Additional information can be found on HUD’s website.

For a printable description of this program, or additional details, please contact Vicktoria Kotov, NHS of Greater Cleveland's Operations Manager of Lending [NMLS #1083480 | LO #.022861.001] by phone at 216-458-4663 x 2324 or by email.