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 $39,450 $3,288
2 $45,050 $3,754
3 $50,700 $4,225
4 $56,300 $4,692
5 $60,850 $5,071
6 $65,350 $5,446
7 $69,850 $5,821
8 $74,350 $6,196

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 Janelle Marzullo 419-861-9008
Farmers & Merchants State BankMary E. Stefko419-446-2501
GVC Mortgage, Inc.John Kirk765-778-0809
Huntington Bank Julie Lee 419-320-0909
Key Bank John W. Frank 419-891-3095
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 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. Colleen Doyle 567-686-0922
Sun Federal Credit UnionDee Glover419-794-7422
Superior Credit UnionNick Alexander419-246-5911
Superior Credit UnionFred Weber419-246-5959

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