Deferred second loan
Parma Down Payment Assistance Program
New construction · Income limits · Single Family
Down payment assistance · Cuyahoga County
Buying a home in Parma, OH
1 Parma program, 3 county programs and 7 statewide.Parma 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 Parma addresses
Parma’s own program
Anywhere in CuyahogaAnywhere in Cuyahoga County
3 county programs3 county programs a Parma homebuyer can also use
7 more programs are for homes in Cleveland, Lakewood, Cleveland Heights and Euclid. See them 7 programs in neighboring cities — for homes inside those cities, not Parma
- Cleveland — Greater Circle Living Home Purchasing Program (HPP)
- Cleveland — City of Cleveland Mayor's Neighborhood Transformation Initiative (NTI) 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 Parma marketThe Parma housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Parma
- 77.2% single-familysingle-family
- 3.1% townhousetownhouse
- 4.2% 2–4 units2–4 units
- 15.5% 5+ unitscondo & apartment buildings (5+ units)
- 0.1% mobile & othermobile home & other
About condos. None of Parma’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 Parma’s homes were built
pre-19401970s2020+
88.5%
of Parma 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)
$69,295
Parma median household incomeMedian household income in Parma (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 Parma
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
Parma questions
Does Parma have its own down payment program?
Yes, one: Parma Down Payment Assistance Program, a deferred second loan (new construction, income limits). It is for homes inside Parma.
Can I use assistance on a condo in Parma?
None of Parma’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 Parma?
HUD-approved housing counseling agencies teach homebuyer classes, and 14 agencies are within 15 miles of Parma. Create a free account and take the 90-second match to see the ones near you.
Nearby in Cuyahoga
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.