Habitat for Humanity of Mahoning Valley Homeownership Program
Habitat for Humanity of Mahoning Valley Homeownership Program is a first mortgage for homebuyers in Youngstown, Ohio, administered by Habitat for Humanity of Mahoning Valley, Inc.
The program asks for
- The home is occupied as a primary residence
- A completed homebuyer education course, through Habitat for Humanity of Mahoning Valley
- Residency: Must currently live or work in Mahoning, Trumbull, or Columbiana county and purchase a home there.
- Citizenship or immigration status: U.S. citizen or legal permanent resident
- A home in Mahoning County
It doesn’t cover
- Manufactured homes
- Households above 60% of area median income
- Homes outside Mahoning County
These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.
Income limit
60% of Mahoning County’s area median income
HUD sets the area median income each year. The limit changes with household size, so a family of five has a higher limit than a single homebuyer.
Where it applies
Mahoning County’s homesMahoning County’s homes, and the ones this program accepts
- 77.1% single-familysingle-family
- 3.6% townhousetownhouse
- 6.6% 2–4 units2–4 units
- 11.2% 5+ unitscondo & apartment buildings (5+ units)
- 1.6% mobile & othermobile home & other
A tick marks a kind of home the program’s record lists. The agency confirms it for the home you choose.
$154,700
Mahoning County median home value
75.5%
built before 1980
U.S. Census Bureau, ACS 2024 5-year. More about buying in Mahoning County
How to apply
How to applyThree steps, in this order
Take a homebuyer education course
Required by the program, through Habitat for Humanity of Mahoning Valley.
Contact Habitat for Humanity of Mahoning Valley, Inc. to reserve funds
Funds are reserved with the provider and are subject to availability.
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 homebuyer can take it to a lender or housing counselor.
Questions about this program
What is Habitat for Humanity of Mahoning Valley Homeownership Program?
Habitat for Humanity of Mahoning Valley Homeownership Program is a first mortgage for homebuyers in Youngstown, Ohio, administered by Habitat for Humanity of Mahoning Valley, Inc. Habitat for Humanity of Mahoning Valley works with families across Mahoning, Trumbull, and Columbiana counties to build affordable homes sold to qualified partner families with an affordable mortgage (averaging ~$500/month incl. taxes/insurance) and 250-500 hours of sweat equity (250 per adult). The program requires monthly mortgage payments plus homeowner-education classes. Average timeline 12-24 months. Affordable purchase-money mortgage. ~$500/month incl. taxes/insurance. Financial and homeowner education. Partnership coaching. Funding comes from Habitat affiliate (donations, recycled mortgage payments, volunteer labor).
Do you have to pay it back?
Habitat for Humanity of Mahoning Valley Homeownership Program is a first mortgage and is repaid under the terms set by Habitat for Humanity of Mahoning Valley, Inc.. The assistance is recorded in First position. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.
Who qualifies?
Habitat for Humanity of Mahoning Valley Homeownership Program is open to homebuyers who will live in the home as their primary residence. A homebuyer education course is required, through Habitat for Humanity of Mahoning Valley. Residency requirement: Must currently live or work in Mahoning, Trumbull, or Columbiana county and purchase a home there. Citizenship or immigration status: U.S. citizen or legal permanent resident.
What are the income limits?
Habitat for Humanity of Mahoning Valley Homeownership Program limits household income to 60% of the area median income, which varies by county and household size. Annual gross household income within Habitat guidelines by size: 1p $18,450-$49,150; 4p $33,000-$70,150; 6p $44,360-$81,400. Counts all household members over age 15; updated yearly. 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?
Habitat for Humanity of Mahoning Valley Homeownership Program can be used for Single Family. New construction is eligible. Manufactured homes are not eligible.
Where does it apply?
Habitat for Humanity of Mahoning Valley Homeownership Program serves homebuyers purchasing in Youngstown, Ohio.
How do you apply?
Applications for Habitat for Humanity of Mahoning Valley Homeownership Program go through Habitat for Humanity of Mahoning Valley, Inc., which publishes the current terms and the application steps on its own site. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.
Also for Mahoning County homebuyersOther programs open to Mahoning County homebuyers
- Catholic Charities Diocese of Youngstown Homeownership / Down Payment Assistance ProgramUp to $3,000
- FHLB Cincinnati Welcome Home ProgramUp to $20,000
- OHFA Mortgage Tax Credit (MTC)Up to $2,000
Whether two programs can be combined is up to each agency. Ask before you apply.
All 71 programs for Mahoning CountyProgram terms are set by Habitat for Humanity of Mahoning Valley, Inc. and can change; confirm on the official site before you apply.