Forgivable loan
Greater Circle Living Home Purchasing Program (HPP)
Income limits · Single Family · 2-4 Unit · Condo
Down payment assistance · Cuyahoga County
Buying a home in Cleveland, OH
4 Cleveland programs, 1 county program and 7 statewide.Cleveland has 4 programs of its own, 1 more across Cuyahoga County, and 7 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Cleveland’s own programs
Forgivable loan
City of Cleveland Mayor's Neighborhood Transformation Initiative (NTI) Down Payment Assistance Program
Income limits · Single Family
Down-payment assistance
CHN Housing Partners Lease Purchase Program
First-time homebuyers · New construction · Income limits · Single Family
Down-payment assistance
Greater Cleveland Habitat for Humanity Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
Anywhere in CuyahogaAnywhere in Cuyahoga County
1 county program1 county program a Cleveland homebuyer can also use
6 more programs are for homes in Parma, Lakewood, Cleveland Heights and Euclid. See them 6 programs in neighboring cities — for homes inside those cities, not Cleveland
- Parma — Parma Down Payment Assistance Program
- Lakewood — Lakewood HOME Program (First-Time Homebuyer's Program)
- Cleveland Heights — City of Cleveland Heights Down Payment Assistance Loan Program
- Euclid — City of Euclid First Time Home Buyer Down Payment Assistance Loan Program
- Euclid — EDCOR First Time Home Buyer Down Payment Assistance Loan Program
- Euclid — Down Payment Assistance Loan Program
The Cleveland marketThe Cleveland housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Cleveland
- 45.9% single-familysingle-family
- 7.7% townhousetownhouse
- 19.8% 2–4 units2–4 units
- 26.1% 5+ unitscondo & apartment buildings (5+ units)
- 0.5% mobile & othermobile home & other
Condos count. 1 of Cleveland’s 5 local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Cleveland’s homes were built
pre-19401970s2020+
85.1%
of Cleveland homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$105,000
County area median income, 4 people (HUD)HUD area median income, Cuyahoga County, 4-person household (2026)
$40,801
Cleveland median household incomeMedian household income in Cleveland (Census, 2024)
13 of the 74 programs here set their income limit as a share of Cuyahoga County’s area median income, adjusted for household size. See the published limits for Cuyahoga County
Free help nearbyFree help near Cleveland
14 HUD-approved counseling agencies within 15 miles14 HUD-approved housing counseling agencies within 15 miles
5 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 5 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Ohio and nationwide
69 statewide & federal programs7 statewide programs, plus federal options
Cleveland questions
Does Cleveland have its own down payment program?
Yes, 4: Greater Circle Living Home Purchasing Program (HPP), City of Cleveland Mayor's Neighborhood Transformation Initiative (NTI) Down Payment Assistance Program, CHN Housing Partners Lease Purchase Program and Greater Cleveland Habitat for Humanity Homeownership Program. Each is for homes inside Cleveland.
Can I use assistance on a condo in Cleveland?
1 of Cleveland’s 5 local and county programs accept condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Cuyahoga County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Cuyahoga County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Cleveland?
HUD-approved housing counseling agencies teach homebuyer classes, and 14 agencies are within 15 miles of Cleveland. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
44101 · 44102 · 44103 · 44104 · 44105 · 44106 · 44108 · 44109 · 44110 · 44111 · 44112 · 44113 · 44114 · 44115 · 44118 · 44119 · 44120 · 44121 · 44124 · 44125 · 44126 · 44127 · 44128 · 44129 · 44130 · 44134 · 44135 · 44143 · 44144 · 44177 · 44178 · 44179 · 44181 · 44184 · 44185 · 44186 · 44188 · 44189 · 44190 · 44191 · 44192 · 44193 · 44194 · 44195 · 44197 · 44198 · 44199
Nearby in Cuyahoga
Sources
Sources: agency sites (June–July 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–July 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.