Maumee Valley Habitat for Humanity Homeownership Program

What is Maumee Valley Habitat for Humanity Homeownership Program?

Maumee Valley Habitat for Humanity Homeownership Program is a first mortgage for homebuyers in Toledo, Ohio, administered by Maumee Valley Habitat for Humanity.

• Maumee Valley Habitat for Humanity sells newly built or rehabbed homes in Lucas County to income-qualified buyers who purchase with a 0% interest mortgage rather than cash down payment assistance. Affordability comes from the no-interest first mortgage and sweat equity in lieu of a traditional down payment. Mortgage terms run 15-30 years; typical monthly payments (incl. taxes/insurance) are roughly $450-$600.
• 0% interest first mortgage.
• No traditional down payment (sweat equity).
• Monthly payment ~$450-$600 incl. taxes/insurance.
• Homebuyer/financial education.
• Funding comes from Habitat affiliate (donations, recycled mortgage payments).

Do you have to pay it back?

Maumee Valley Habitat for Humanity Homeownership Program is a first mortgage and is repaid under the terms set by Maumee Valley Habitat for Humanity.

• 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?

Maumee Valley Habitat for Humanity Homeownership Program is open to buyers who will live in the home as their primary residence.

What are the income limits?

Maumee Valley Habitat for Humanity Homeownership Program limits household income to 80% of the area median income, which varies by county and household size.

• Household income 30-80% of Lucas County AMI. 2025 (6/25) 80% limits: 1p $53,100; 4p $75,850; 5p $81,950. 30% minimums also apply.
• 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?

Maumee Valley Habitat for Humanity Homeownership Program can be used for Single Family.

• New construction is eligible.
• Manufactured homes are not eligible.

Where does it apply?

Maumee Valley Habitat for Humanity Homeownership Program serves buyers purchasing in Toledo, Ohio.

How do you apply?

Applications for Maumee Valley Habitat for Humanity Homeownership Program go through Maumee Valley Habitat for Humanity, 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 Maumee Valley Habitat for Humanity (monthly homeownership and financial classes).

2. 2

   Contact Maumee Valley Habitat for Humanity 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.