Warren-Trumbull HOME Consortium Homeownership Loan Program (Trumbull County)
Forgivable loan · Forgiven over 5 yrs · Income limit 80% of AMI
Single Family
See details Aug 2026
Down payment assistance · Ohio
Buying a home in Trumbull County, OH
1 county-wide program, 1 city with their own, plus 7 statewide and 62 nationwide.Trumbull has 1 program that covers the whole county and 1 city with a program of their own. On top of those, 7 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in TrumbullAnywhere in Trumbull County
1 program for every Trumbull address1 program that covers every Trumbull address
It asks for a homebuyer class.This is run for the whole county, so a home in Warren, Niles or Girard can use it. It asks for a homebuyer class.
AMI is HUD’s area median income for Trumbull, adjusted for household size. Each program publishes its own dollar limits.
Only inside city limits
1 city with their own program1 Trumbull city with their own program
For a home inside that city, on top of the county-wide 1.A city program is for a home inside that city. Buying there? It sits on top of the 1 county-wide program above.
The Trumbull marketThe Trumbull housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Trumbull
- 76.3% single-familysingle-family
- 3.6% townhousetownhouse
- 6.9% 2–4 units2–4 units
- 9% 5+ unitscondo & apartment buildings (5+ units)
- 4.2% mobile & othermobile home & other
Condos count. 0 of the 1 county-wide program and 1 of the 2 city programs list condos as eligible. Warren-Trumbull HOME Consortium Homeownership Loan Program (Trumbull County) lists single family. City of Warren Direct Homebuyer Assistance Program (DPA) lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Trumbull’s homes were built
pre-19401970s2020+
76.5%
of Trumbull 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.
$81,900
HUD area median income, 4 people (FY2026)HUD area median income, Trumbull County, 4-person household (FY2026)
$56,435
Median household income (ACS 2024 5-year)Median household income in Trumbull (Census ACS 2024 5-year)
71.3%
of occupied homes are owner-occupied (Ohio: 67.2%)
The two income figures measure different things. HUD’s area median income is the one programs use. 13 of the 72 programs here set their income limit as a share of Trumbull County’s area median income, adjusted for household size. See the published limits for Trumbull County
Free help in TrumbullFree help in Trumbull
1 HUD-approved counseling agency with an office in the county1 HUD-approved housing counseling agency with an office in Trumbull County
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 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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Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Trumbull County.
20 cities and placesA to Z
All cities in Trumbull CountyAll 20 cities and places in Trumbull County
has a program of its own
Trumbull questions
Can I use a county program anywhere in Trumbull?
The 1 county-wide program cover homes anywhere in the county. City programs, like Warren’s, are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Trumbull County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Trumbull programs accept condos?
0 of the 1 county-wide program and 1 of the 2 city programs list condos as eligible. Warren-Trumbull HOME Consortium Homeownership Loan Program (Trumbull County) lists single family. City of Warren Direct Homebuyer Assistance Program (DPA) lists single family. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Trumbull?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency has an office in Trumbull County. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.