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City of Mansfield Down Payment Assistance Program

City of Mansfield Department of Housing and Community Development · Mansfield, Ohio

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See what you qualify forOfficial program site →
Assistance

$10,000

The maximum the program publishes — not an offer

Income limit

80% AMI

Of area median income; varies by county and household size

Repayment

Forgivable

Forgiven once the program's conditions are met

What is City of Mansfield Down Payment Assistance Program?

City of Mansfield Down Payment Assistance Program is a forgivable loan for homebuyers in Mansfield, Ohio, administered by City of Mansfield Department of Housing and Community Development.

  • The City of Mansfield's Down Payment Assistance program provides up to $10,000 in HOME-funded down payment assistance toward the purchase of a home within Mansfield city limits for income-eligible (at/below 80% AMI) buyers. Administered by the City's Department of Housing and Community Development and funded with prior-year HOME carryover ($62,500 in the PY2025 Annual Action Plan), it is structured as a forgivable, recapture-based subordinate loan under 24 CFR 92.254. The PY2025 Annual Action Plan (active through 6/30/2026) estimates the program will assist approximately 5 eligible families.
  • Up to $10,000 toward down payment.
  • Forgivable (recapture-based) — no repayment if affordability/occupancy requirements are met.
  • Subordinate (second) lien.
  • Serves low-income buyers (up to 80% AMI).
  • Funding comes from U.S. HUD HOME Investment Partnerships Program (HOME), administered by the City of Mansfield (prior-year carryover funds).

How much assistance does it provide?

City of Mansfield Down Payment Assistance Program offers up to $10,000 in assistance.

  • Amounts are the program's published maximums, not an offer — City of Mansfield Department of Housing and Community Development determines any individual award.

Do you have to pay it back?

City of Mansfield Down Payment Assistance Program is a forgivable loan, so the balance is forgiven once the program's conditions are met.

  • The assistance is recorded in Subordinate (second) position.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

City of Mansfield Down Payment Assistance Program is open to buyers who will live in the home as their primary residence.

The program requires

  • The home is occupied as a primary residence
  • Residency: Property must be located within the City of Mansfield (Richland County), Ohio city limits.
  • DRAFT (dpa-gap-finder 2026-06-12): pending review. Buyer income at or below 80% AMI (HUD HOME Low Income limit; FY2025 4-person $68,150). Home must be within City of Mansfield city limits and used as the buyer's principal residence. HOME recapture/resale under 24 CFR 92.254 applies. UNCONFIRMED (left blank): minimum credit score, max DTI, maximum purchase price, homebuyer-education requirement, affordability-period length, new-construction/manufactured eligibility, and participating lenders — detailed guidelines not published; verify at (419) 755-9793. NOTE: PY2026 Action Plan (eff. 7/1/2026) does not list DPA as a separate funded line; renewal beyond 6/30/2026 should be re-verified.

The program excludes

  • Households above 80% of area median income

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

City of Mansfield Down Payment Assistance Program limits household income to 80% of the area median income, which varies by county and household size.

  • Household income at or below 80% of Area Median Income (HUD HOME Low Income limit) for the Mansfield, OH MSA. FY2025 HOME 80% limits effective 6/1/2025: 1-person $47,750; 4-person $68,150.
  • The limit applies to total household income, not only the borrower’s.
  • 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?

City of Mansfield Down Payment Assistance Program can be used for Single Family.

Where does it apply?

City of Mansfield Down Payment Assistance Program serves buyers purchasing in Mansfield, Ohio.

How do you apply?

Applications for City of Mansfield Down Payment Assistance Program go through City of Mansfield Department of Housing and Community Development, which publishes the current terms and the application steps on its own site.

  1. Contact City of Mansfield Department of Housing and Community Development to reserve funds

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

  2. 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.

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