Warren-Trumbull HOME Consortium Homeownership Loan Program (Trumbull County)
Forgivable loan · Forgiven over 5 yrs · Income limits
Down payment assistance · Trumbull County
Buying a home in Niles, OH
1 county program and 7 statewide.Niles has no program of its own, 1 across Trumbull 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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What’s local to Niles
No program of Niles’s own yet
No program run for Niles alone is listed. A home in Niles can use Trumbull County’s programs below, plus the Ohio statewide and federal ones.
The closest city that runs its own program is Warren, about 5 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in TrumbullAnywhere in Trumbull County
1 county program1 county program a Niles homebuyer can use
The Niles marketThe Niles housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Niles
- 63.8% single-familysingle-family
- 2.3% townhousetownhouse
- 9.6% 2–4 units2–4 units
- 22.5% 5+ unitscondo & apartment buildings (5+ units)
- 1.8% mobile & othermobile home & other
About condos. Niles’s one local program does not list condos as eligible. Warren-Trumbull HOME Consortium Homeownership Loan Program (Trumbull County) lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Niles’s homes were built
pre-19401970s2020+
78.6%
of Niles 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
County area median income, 4 people (HUD)HUD area median income, Trumbull County, 4-person household (2026)
$50,953
Niles median household incomeMedian household income in Niles (Census, 2024)
11 of the 70 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 nearbyFree help near Niles
7 HUD-approved counseling agencies within 15 miles7 HUD-approved housing counseling agencies within 15 miles
Niles’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Warren-Trumbull HOME Consortium Homeownership Loan Program (Trumbull County) asks 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
Niles questions
Does Niles have its own down payment program?
No program run for Niles alone is listed. A home in Niles can use the 1 program that cover Trumbull County and the 7 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Niles?
Niles’s one local program does not list condos as eligible. Warren-Trumbull HOME Consortium Homeownership Loan Program (Trumbull County) lists single family. 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 Trumbull County?
Each program sets its own. 11 of the programs here set theirs as a share of HUD’s area median income for Trumbull 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 Niles?
HUD-approved housing counseling agencies teach homebuyer classes, and 7 agencies are within 15 miles of Niles. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
44446
Nearby in Trumbull
Sources
Sources: agency sites (June–August 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–August 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.