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.
Household Size |
Max Annual Income |
Max Monthly Income |
1 |
$43,600 |
$3,633 |
2 |
$49,800 |
$4,150 |
3 |
$56,050 |
$4,671 |
4 |
$62,250 |
$5,188 |
5 |
$67,250 |
$5,604 |
6 |
$72,250 |
$6,021 |
7 |
$77,200 |
$6,433 |
8 |
$82,200 |
$6,850 |
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 |
419-382-4132 |
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 |
Farmers & Merchants State Bank | Mary E. Stefko | 419-446-2501 |
Grande Financial Inc. | Laurie Bobrick | 419-893-5626 |
Guaranteed Rate | Rudy Ondrus | 419-360-1928 |
GVC Mortgage, Inc. | John Kirk | 765-778-0809 |
Huntington Bank |
Julie Lee |
419-320-0909 |
Key Bank |
Jennie Meyers |
419-885-6796 |
Maumee Valley Habitat for Humanity |
Erin McPartland |
419-382-1964 |
Midwest Mortgage |
Bill Gilsdorf |
419-842-0505 |
PNC |
Bryan Buckholtz |
330-620-0328 |
Premier Bank |
Tammy Moses |
419-794-5018 |
Ruoff Home Mortgage | Tony Brancatto | 419-450-5442 |
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 Union | Dee Glover | 419-794-7422 |
Superior Credit Union | Nick Alexander | 419-246-5905 |
Counseling Agencies
NeighborWorks Toledo Region |
Nicole Reno |
419-691-2900 |
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 |