Home at Last

What is Home at Last?

Home at Last is a grant for homebuyers in Toledo, Ohio.

• Toledo Home at Last: $10,000 grant for first-time homebuyers within City of Toledo limits. <=80% AMI.
• $10,000 GRANT (no repayment required) for down payment and closing costs for first-time homebuyers purchasing within City of Toledo limits. Funds may be used for down payment, closing costs, and pre-paid items. Federal HUD CDBG/HOME-funded grant administered by City of Toledo Department of Housing and Community Development.
• Funding comes from Federal, HUD, HOME, and CDBG.

Do you have to pay it back?

Home at Last is structured as a grant, so it is not repaid.

• Repayment is triggered by No repayment if owner-occupied for 5-year term and deed restriction enforces affordability.
• The assistance is recorded in Grant (no lien beyond deed restriction) position.
• Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Home at Last is open to first-time homebuyers and buyers who will live in the home as their primary residence.

What are the income limits?

Home at Last limits household income to 80% of the area median income, which varies by county and household size.

• Household income at or below 80% Toledo MSA AMI: $53,100-$100,150 by household size.
• The limit applies to total household income, not only the borrower&rsquo;s.
• The program lists a maximum household size of 8.
• 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?

Home at Last caps the purchase price as follows: Per HUD HOME 95% area median sales price for Lucas County.

• Eligible property types include Single-family detached, condo, townhouse.
• New construction is eligible.
• Manufactured homes are not eligible.

Is there eligibility for specific groups?

Home at Last names veterans, active-duty service members, reservists and National Guard members, and surviving spouses among the groups it serves.

• Being named here means the program mentions the group, not that membership alone qualifies an applicant — the rest of the eligibility rules still apply.

Where does it apply?

Home at Last serves buyers purchasing in Toledo, Ohio.

• The program targets specific areas: Toledo CDBG-eligible neighborhoods.

How do you apply?

Applications for Home at Last go through the administering 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 HUD-approved housing counseling agencies in Toledo including NeighborWorks Toledo Region (formerly NHS Toledo) and United Way of Greater Toledo.

2. 2

   Contact the administering agency to reserve funds

   Funds are reserved through Apply directly to City of Toledo Department of Housing and Community Development, 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.