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City of Warren Direct Homebuyer Assistance Program (DPA)

City of Warren Community Development Department · Warren, Ohio

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See what you qualify forOfficial program site →
Assistance

$1,000–$25,000

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 after 10 years

What is City of Warren Direct Homebuyer Assistance Program (DPA)?

City of Warren Direct Homebuyer Assistance Program (DPA) is a forgivable loan for homebuyers in Warren, Ohio, administered by City of Warren Community Development Department.

  • The City of Warren uses HUD HOME funds to provide direct homebuyer (down payment) assistance to low- to moderate-income buyers purchasing City-owned properties in Warren, Ohio. The City pays half the required down payment plus up to $3,500 closing, total not to exceed $25,000 based on need, as a 0% deferred forgivable second mortgage forgiven after 5 or 10 years. Buyers complete 8 hours of HUD-approved counseling, must not currently own a home, be at/below 80% AMI, and use a fixed-rate 30-year mortgage.
  • Up to $25,000 assistance.
  • 0% interest, no monthly payments.
  • Forgivable after 5- or 10-year affordability period.
  • Free 8-hour HUD counseling.
  • This is a federal program, so it is available beyond a single state or city.
  • Funding comes from HUD HOME Investment Partnerships Program / Warren-Trumbull HOME Consortium.

How much assistance does it provide?

City of Warren Direct Homebuyer Assistance Program (DPA) offers between $1,000 and $25,000 in assistance.

  • Buyer contribution: Homebuyer provides one-half of required down payment; minimum $1,000 buyer cash.
  • The program can be combined with other assistance, subject to the rules of each.
  • Amounts are the program's published maximums, not an offer — City of Warren Community Development Department determines any individual award.

Do you have to pay it back?

City of Warren Direct Homebuyer Assistance Program (DPA) is forgiven after 10 years, so a buyer who stays that long does not repay it.

  • Repayment is triggered by Sale, ceasing to use as principal residence, failure to maintain property/taxes/insurance during the affordability period.
  • The assistance is recorded in 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 Warren Direct Homebuyer Assistance Program (DPA) is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — with exceptions: Applicants must not currently own a home
  • The home is occupied as a primary residence
  • On credit: No published minimum; must obtain adequate primary mortgage financing
  • A completed homebuyer education course, through 8 hours HUD-approved homebuyer counseling, free
  • Residency: Property must be a City-owned property within the City of Warren, OH
  • Citizenship or immigration status: All household members U.S. citizens or eligible immigration status
  • DRAFT (dpa-gap-finder 2026-06-15): pending admin review. Scoped to SALE OF CITY-OWNED PROPERTIES. DEDUPE: administered through Warren-Trumbull HOME Consortium (in catalog) but a distinct city-run program with its own published policies — confirm not a functional duplicate before publishing. UNCONFIRMED: 4-person+ income-limit dollars, current funding/reservation status 2025-2026, min credit score, max DTI (30% housing ratio referenced).

The program excludes

  • Manufactured homes
  • New construction
  • 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 Warren Direct Homebuyer Assistance Program (DPA) limits household income to 80% of the area median income, which varies by county and household size.

  • Gross household income at/below 80% HUD AMI, Youngstown-Warren-Boardman MSA. 2024: 1p $53,050; 2p $60,600; 3p $68,200 (table continues).
  • 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 Warren Direct Homebuyer Assistance Program (DPA) caps the purchase price as follows: Assistance is lower of half required down payment plus up to $3,500 closing, not to exceed $25,000; for sale of City-owned properties.

  • Eligible property types include Single Family.
  • New construction is not eligible.
  • Manufactured homes are not eligible.

Where does it apply?

City of Warren Direct Homebuyer Assistance Program (DPA) is a federal program, so it is not limited to Ohio.

How do you apply?

Applications for City of Warren Direct Homebuyer Assistance Program (DPA) go through City of Warren Community Development Department, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through 8 hours HUD-approved homebuyer counseling, free.

  2. Contact City of Warren Community Development Department to reserve funds

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

  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.

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