At Home In Youngstown

What is At Home In Youngstown?

At Home In Youngstown is a forgivable loan for homebuyers in Youngstown, Ohio, administered by City of Youngstown Community Development Division (intake via Catholic Charities Regional Agency).

• A City of Youngstown program providing up to $10,000 for down payment and closing costs (plus up to $15,000 for approved energy upgrades/repairs) to buyers purchasing a single-family home or condo in the city. Structured as a forgivable loan secured by a lien; 20% of the award is forgiven each year, maturing at year 5.
• Up to $10,000 down payment & closing costs.
• + up to $15,000 energy upgrades/repairs.
• 0% forgivable (20%/yr over 5 yrs).
• No income limits.
• Homebuyer education + credit counseling.
• Funding comes from Local Government and ARPA.

How much assistance does it provide?

At Home In Youngstown offers up to $10,000 in assistance.

• The program asks buyers to contribute $500 earnest money up front.
• Amounts are the program's published maximums, not an offer — City of Youngstown Community Development Division (intake via Catholic Charities Regional Agency) determines any individual award.

Do you have to pay it back?

At Home In Youngstown is forgiven after 5 years, so a buyer who stays that long does not repay it.

• Repayment is triggered by Sale before 5-yr maturity, Ceases to be primary residence within 5 yrs, and Transfer of title before maturity.
• The assistance is recorded in 2nd Lien position.
• Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

At Home In Youngstown is open to buyers who will live in the home as their primary residence.

What are the income limits?

At Home In Youngstown sets its income limit as follows: No income limit (all income restrictions removed September 2024).

• Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

At Home In Youngstown can be used for Single Family and Condo.

Where does it apply?

At Home In Youngstown serves buyers purchasing in Youngstown, Ohio.

How do you apply?

Applications for At Home In Youngstown go through City of Youngstown Community Development Division (intake via Catholic Charities Regional Agency), which publishes the current terms and the application steps on its own site.

1. 1

   Take a homebuyer education course

   Required by the program, through Catholic Charities Regional Agency (homebuyer education; credit counseling)..

2. 2

   Contact City of Youngstown Community Development Division (intake via Catholic Charities Regional Agency) to reserve funds

   Funds are reserved with the provider and are subject to availability.

3. 3

   Work with a lender who handles the program

   Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.