Silent second
Down payment assistance · Lucas County
Buying a home in Toledo, OH
4 Toledo programs and 7 statewide.Toledo has 4 programs of its own, and 7 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Toledo addresses
Toledo’s own programs
Assistance grant
City of Toledo Home at Last Down Payment Assistance
First-time homebuyers · Income limits · Single Family · Condo
Assistance grant
Home at Last
First-time homebuyers · New construction · Income limits · Single-family detached, condo, townhouse
First mortgage
Maumee Valley Habitat for Humanity Homeownership Program
New construction · Income limits · Single Family
The Toledo marketThe Toledo housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Toledo
- 65.2% single-familysingle-family
- 3% townhousetownhouse
- 9.7% 2–4 units2–4 units
- 20% 5+ unitscondo & apartment buildings (5+ units)
- 2.1% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Toledo’s homes were built
pre-19401970s2020+
83.8%
of Toledo homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$95,400
County area median income, 4 people (HUD)HUD area median income, Lucas County, 4-person household (2026)
$49,724
Toledo median household incomeMedian household income in Toledo (Census, 2024)
13 of the 73 programs here set their income limit as a share of Lucas County’s area median income, adjusted for household size. See the published limits for Lucas County
Free help nearbyFree help near Toledo
3 HUD-approved counseling agencies within 15 miles3 HUD-approved housing counseling agencies within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.3 of the 4 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Ohio and nationwide
69 statewide & federal programs7 statewide programs, plus federal options
Toledo questions
Does Toledo have its own down payment program?
Yes, 4: Toledo Police Next Door (TPND), City of Toledo Home at Last Down Payment Assistance, Home at Last and Maumee Valley Habitat for Humanity Homeownership Program. Each is for homes inside Toledo.
Can I use assistance on a condo in Toledo?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Lucas County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Lucas County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Toledo?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies are within 15 miles of Toledo. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
43601 · 43602 · 43603 · 43604 · 43605 · 43606 · 43607 · 43608 · 43609 · 43610 · 43611 · 43612 · 43613 · 43614 · 43615 · 43617 · 43620 · 43623 · 43624 · 43635 · 43652 · 43653 · 43654 · 43655 · 43656 · 43657 · 43659 · 43660 · 43661 · 43666 · 43667 · 43681 · 43682 · 43697 · 43699
Nearby in Lucas
Sources
Sources: agency sites (June–August 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.