Housing Workshops

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Home at Last

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


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 $48,650 $4,054
2 $55,600 $4,633
3 $62,550 $5,213
4 $69,450 $5,788
5 $75,050 $6,254
6 $80,600 $6,717
7 $86,150 $7,179
8 $91,700 $7,642

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
Citizens Bank Anna Johnson 608-449-3806
Cross Country MortgageTina Mahn419-346-5714
Croghan Colonial Bank Teresa Joseph 419-355-2258
Croghan Colonial Bank Larry Duwve 419-464-3042
Equity Resources/Greentree Mortgage Lisa Traxler 419-297-7805
Fairway Independent Mortgage CorporatioLisa Conner330-778-3112
Farmers & Merchants State BankKaren Relyea419-399-7161
Geneva FinancialJennifer Abke419-699-1453
Genoa BankMark Carr419-855-8381
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


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

Midland Title Sara McCafferty 419-255-0126
Louisville Title Tori Crowell 419-248-4611

Last updated: 06/03/2024