Home at Last

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

Who is eligible?

First-time homebuyers 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.

What do I do?

  1. Complete housing counseling.
    Make sure you're ready for home ownership.

  2. Contact a lender.
    Participating lenders listed below.

  3. Get pre-approval for a fixed-rate mortgage.
    Must be from participating lender.

  4. Complete homeownership counseling.
    Participating agencies listed below.

  5. Find a house and get an accepted purchase agreement.
    Based on your pre-approval.

  6. 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.

  7. Complete application.
    Work with your lender to submit to the City of Toledo.

  8. 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 Paul Hembree 419-535-6048
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
Huntington Bank Julia Bryant 419-574-0350
Key Bank Ethel Scott 419-861-6493
Maumee Valley Habitat for Humanity Erin McPartland 419-382-1964
Midwest Mortgage Ryan Pataky 419-842-0505
Neighborhood Housing Services Alma Dortch-Gilbert 419-691-2900
PNC Bryan Buckholtz 330-620-0328
Premier Bank Susan Jester 419-537-9520
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. Colleen Doyle 567-686-0922

Counseling Agencies

NeighborWorks Toledo Region Alma Dortch-Gilbert 419-691-2900
NeighborWorks Toledo Region Nicole Reno 419-691-2900
Northwest Ohio Homeownership Development Agency Teresa Martinez 419-243-3734

Participating title companies

Area Title Agency Stacie Rains 419-242-5485
Louisville Title Contact Person 419-248-4611


Income Eligibility*

Household Size Max Annual Income Max Monthly Income
1 $40,250 $3,354
2 $46,000 $3,833
3 $51,750 $4,313
4 $57,500 $4,792
5 $62,100 $5,175
6 $66,700 $5,558
7 $71,300 $5,942
8 $75,900 $6,325

*Income maximums are set at 80% of HUD area median income.