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Warren-Trumbull HOME Consortium Homeownership Loan Program (Trumbull County)

Trumbull County Planning Commission (Warren-Trumbull HOME Consortium) · Trumbull County, Ohio

Last verified
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 after 5 years

What is Warren-Trumbull HOME Consortium Homeownership Loan Program (Trumbull County)?

Warren-Trumbull HOME Consortium Homeownership Loan Program (Trumbull County) is a forgivable loan for homebuyers in Trumbull County, Ohio, administered by Trumbull County Planning Commission (Warren-Trumbull HOME Consortium).

  • A HUD HOME-funded down payment and eligible-closing-cost program administered by the Trumbull County Planning Commission. Provides up to $10,000 or 20% of purchase price (whichever is less) as a 0% deferred second mortgage forgiven after 5 years of continued owner-occupancy. Serves buyers at 50–80% AMI purchasing single-family homes in Trumbull County outside Cortland/McDonald/Niles/Girard (the City of Warren runs its own program). Brochure updated May 2026.
  • Up to $10,000 (or 20% of price).
  • 0% interest.
  • Forgiven after 5 years.
  • Broad network of participating local lenders.
  • Funding comes from HUD HOME Investment Partnerships Program (Warren-Trumbull HOME Consortium).

How much assistance does it provide?

Warren-Trumbull HOME Consortium Homeownership Loan Program (Trumbull County) offers up to $10,000 in assistance.

  • Amounts are the program's published maximums, not an offer — Trumbull County Planning Commission (Warren-Trumbull HOME Consortium) determines any individual award.

Do you have to pay it back?

Warren-Trumbull HOME Consortium Homeownership Loan Program (Trumbull County) is forgiven after 5 years, so a buyer who stays that long does not repay it.

  • Repayment is triggered by Forgiven at end of 5 years if terms met; if buyer sells, stops occupying, rents, or abandons within 5 years, the loan becomes due within 30 days.
  • 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?

Warren-Trumbull HOME Consortium Homeownership Loan Program (Trumbull County) 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
  • A completed homebuyer education course, through Warren-Trumbull HOME Consortium 3-hour homeownership counseling session.
  • Residency: Single-family dwelling within Trumbull County, excluding the cities of Cortland, McDonald, Niles, Girard, and the City of Warren (own program).
  • DRAFT (dpa-gap-finder 2026-06-11): pending review. Buyer prequalified by a participating lender; 3-hour Consortium counseling; owner-occupy as principal residence; homeowner's insurance naming Trumbull County as additional insured. Property must pass HUD HQS and lead/code inspection. Income 50–80% AMI (income_limit_percent set to the 80% ceiling). Distinct from the City of Warren program already in catalog. Verified via the consortium brochure PDF (May 2026).

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?

Warren-Trumbull HOME Consortium Homeownership Loan Program (Trumbull County) limits household income to 80% of the area median income, which varies by county and household size.

  • Annual gross household income between 50% and 80% of area median income; limits revised annually (May 2026).
  • 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?

Warren-Trumbull HOME Consortium Homeownership Loan Program (Trumbull County) caps the purchase price as follows: Property value must not exceed 95% of the area's median purchase price as determined by HUD.

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

Where does it apply?

Warren-Trumbull HOME Consortium Homeownership Loan Program (Trumbull County) serves buyers purchasing in Trumbull County, Ohio.

How do you apply?

Applications for Warren-Trumbull HOME Consortium Homeownership Loan Program (Trumbull County) go through Trumbull County Planning Commission (Warren-Trumbull HOME Consortium), which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through Warren-Trumbull HOME Consortium 3-hour homeownership counseling session..

  2. Contact Trumbull County Planning Commission (Warren-Trumbull HOME Consortium) to reserve funds

    Funds are reserved through Buyer prequalified by a participating lender; application requested through the Trumbull County Planning Commission., 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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