- Home
- Living & Visiting
- Our Community
- Homeowner Programs
Rental / Homeowner Programs
In addition to programs described below, federal loan programs are available for mortgages, home improvements, energy efficiency, disaster victims, and veterans.
DOWN PAYMENT / MORTGAGE ASSISTANCE
PROGRAM | DESCRIPTION | AGENCY |
---|---|---|
Down Payment Assistance Loan | 1st time homebuyers. Income requirements. Deferred mortgage loan, payable until re-sale or transfer of property. 50% forgiven after 5 yrs. of occupancy. | County program administered by: Neighborhood Housing Services of Greater Cleveland Viktoria Kotov - 216-458-4663 x 2324 |
First-Time Homebuyer Program | Downpayment and closing cost assistance for low/moderate income applicants. | Ohio Housing Finance Agency 614-466-7970 |
Down Payment Assistance | 2.5% or 5% of home purchase price to use toward down payment, closing costs, or pre-closing expenses. Forgiven after 7 years | Ohio Housing Finance Agency 614-466-7970 |
Grants for Grads Program | Mortgage interest rate discount and down payment assistance to recent grads. D.P. assistance forgiven after 5 years if grad remains in Ohio. | Ohio Housing Finance Agency 614-466-7970 |
Ohio Heroes Program | Mortgage interest rate discount to U.S. veterans, active duty miliary teachers, licensed/certified patient caregivers, police officers, firefighters, EMTs and others who serve the public. | Ohio Housing Finance Agency 614-466-7970 |
Mortgage Tax Credit | Federal tax credit of up to 40% of annual mortgage interest (max. $2,000). | Ohio Housing Finance Agency 614-466-7970 |
203(k) Loan Program (for home repairs) | Amount of repairs, up to $35,000. added to primary mortgage. | Ohio Housing Finance Agency 614-466-7970 |
Next Home | 30 year, fixed rate mortgages and down payment assistance to buyers who currently own a home but lack equity to purchase a new home. | Ohio Housing Finance Agency 614-466-7970 |
Homeowners having difficulty paying their mortgage should call "211" for referral to nonprofit counseling agencies that may be able to help negotiate payment plans or loan modifications and possibly offer one-time mortgage payment assistance.
Tenants concerned that the home or apartment they rent may be in foreclosure should also call "211" for referral to nonprofit agencies that may be able to help with advice on tenants' rights and assistance with moving costs if needed. One such agency that assists tenants is Cleveland Tenants Organization, at (216) 432- 0617. With financial support from Cuyahoga County, mailings are sent to tenants when the home they rent first goes into foreclosure. This advance warning allows tenants time to plan for an orderly move, instead of having to move on short notice when the foreclosure process is complete.
HOME REPAIR PROGRAMS
Program | Description | Agency |
---|---|---|
Housing Enhancement Loan Program (H.E.L.P) | Allows homeowners in most Cuyahoga County communities (including Solon) to borrow money for repairing or remodeling homes at 3 percentage points below a bank’s market rate for home improvement loans. No income restrictions. Few limitations on eligible improvements. Owner occupied and investment properties are eligible. | Cuyahoga County 216-443-2149 Applications available at any bank branch of these participating banks: Huntington Bank, KeyBank, PNC Bank |
4COM Home Repair Loan Program | Loans for low-and-moderate income homeowners with the repair and /or replacement of the following four major housing components: Roof, Electrical, Furnace, and Plumbing – including sanitary sewer connections | County Dept. of Development 216-348-4066 |
Home Repair Loan Program | Loan and assistance w. job specs, cost estimates, contractor selection, project oversight. May be used for energy efficiency improvements. | 216-458-HOME X2330 |
Housing Revenue Bond Program | Available to nonprofit and for profit developers to purchase, construct, or rehabilitate multi-family housing projects. | County Dept. of Development email Sara Parks Jackson or call 216-443-8160 |
ENERGY EFFICIENCY; UTILITIES PAYMENT ASSISTANCE
Program | Description | Agency |
---|---|---|
Home Energy Assistance Programs (HEAP) | Annual one-time credit toward payment of utility bill for income eligible. | Ohio Development Services Agency 800-282-0880 |
Winter Crisis Program (WCP) | Annual one-time benefit to heat utility provider account. May be used for utility disconnection, new service , transfer service, fuel tank replacement, furnace repair, purchase of electric heaters. | Ohio Development Services Agency 800-282-0880 |
Summer Crisis Program (SCP) | Annual one-time benefit to electric provider, or for purchase of fans and air conditioners. | Ohio Development Services Agency 800-282-0880 |
Home Weatherization Assistance (HWAP) | Energy efficient program that reduces energy used of qualified households, based on home energy efficiency assessment. | Ohio Development Services Agency 800-282-0880 |
Percentage of Income Payment Plan (PIPP Plus) | Extended payment plan based on % of household income. | Ohio Development Services Agency 800-282-0880 |
ECO-Link | Up to 3% interest rate reduction on bank loans for energy efficient upgrades, including insulation, windows, doors, solar energy products, heating, cooling, and water systems, appliances, renewable energy products. | 800-228-1102 |
Federal Residential Renewable Energy Tax Credit | Personal tax credit on installation of solar electric and solar water heating equipment through 12/31/2021. | Internal Revenue Service |
RENTERS ASSISTANCE
Programs | Description | Agency |
---|---|---|
Rental Information Center, Eviction Diversion, Tenant Advocacy, Healthy Homes | Tenant rights & obligations, finding housing, evictions | 216-432-0617 |
MUNICIPAL PROGRAMS | ||
Housing Rehabilitation Loan Program (HRLP) | For low-mod income homeowners to assist with repair/replacement of: roof, electrical, furnace, plumbing. Senior citizens may qualify for a deferred loan (deferred until property title transfers). | County Dept. of Development 216-348-4066 |
Lead Safe Program | Available in targeted communities. NOT AVAILABLE IN SOLON | County Dept. of Development |
Heating Repairs | Free heating system repairs. | County program administered by Community Housing Solutions 216-231-5815 |
HOME MODIFICATIONS & ASSISTIVE DEVICES
Program | Description | Agency |
---|---|---|
Home Modification & Assistive Devices Program | For Cuyahoga, Geauga and Lake County residents with disabilities. Assists with minor home modifications, adaptive devices, assistive technology, temporary ramps. | Services for Independent Living Email Laura Gold or call 216-731-1529. |