Deferred second loan
City of Cleveland Heights Down Payment Assistance Loan Program
Income limits · Single Family · 2-4 Unit
Down payment assistance · Cuyahoga County
Buying a home in Cleveland Heights, OH
1 Cleveland Heights program, 3 county programs and 7 statewide.Cleveland Heights has 1 program of its own, 3 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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Only for Cleveland Heights addresses
Cleveland Heights’s own program
Anywhere in CuyahogaAnywhere in Cuyahoga County
3 county programs3 county programs a Cleveland Heights homebuyer can also use
7 more programs are for homes in Cleveland, Parma, Lakewood and Euclid. See them 7 programs in neighboring cities — for homes inside those cities, not Cleveland Heights
- Cleveland — Greater Circle Living Home Purchasing Program (HPP)
- Parma — Parma Down Payment Assistance Program
- Cleveland — City of Cleveland Mayor's Neighborhood Transformation Initiative (NTI) Down Payment Assistance Program
- Lakewood — Lakewood HOME Program (First-Time Homebuyer's 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 Heights marketThe Cleveland Heights housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Cleveland Heights
- 61.8% single-familysingle-family
- 4.4% townhousetownhouse
- 10.8% 2–4 units2–4 units
- 22.9% 5+ unitscondo & apartment buildings (5+ units)
- 0.1% mobile & othermobile home & other
About condos. None of Cleveland Heights’s 4 local and county programs list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Cleveland Heights’s homes were built
pre-19401970s2020+
91.5%
of Cleveland Heights 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)
$72,826
Cleveland Heights median household incomeMedian household income in Cleveland Heights (Census, 2024)
14 of the 73 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 Heights
14 HUD-approved counseling agencies within 15 miles14 HUD-approved housing counseling agencies within 15 miles
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 4 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 Heights questions
Does Cleveland Heights have its own down payment program?
Yes, one: City of Cleveland Heights Down Payment Assistance Loan Program, a deferred second loan (income limits). It is for homes inside Cleveland Heights.
Can I use assistance on a condo in Cleveland Heights?
None of Cleveland Heights’s 4 local and county programs list condos as eligible. 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. 14 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 Heights?
HUD-approved housing counseling agencies teach homebuyer classes, and 14 agencies are within 15 miles of Cleveland Heights. Create a free account and take the 90-second match to see the ones near you.
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.