Central Ohio Community Land Trust (COCLT) Homeownership Program
Shared-appreciation loan · New construction · Income limits
Down payment assistance · Franklin County
Buying a home in Westerville, OH
5 county programs and 7 statewide.Westerville has no program of its own, 5 across Franklin County, 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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What’s local to Westerville
No program of Westerville’s own yet
No program run for Westerville alone is listed. A home in Westerville can use Franklin County’s programs below, plus the Ohio statewide and federal ones.
The closest city that runs its own program is Columbus, about 12 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in FranklinAnywhere in Franklin County
5 county programs5 county programs a Westerville homebuyer can use
- Central Ohio Community Land Trust (COCLT) Homeownership ProgramUp to $50,000
- Homeport Growing Homeownership FundUp to $15,000
- City of Columbus American Dream Downpayment Initiative (ADDI) - NED FundUp to $14,999
- Franklin County Downpayment Assistance ProgramDeferred
- Habitat for Humanity-MidOhio Homeownership ProgramAssistance available
The Westerville marketThe Westerville housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Westerville
- 66.2% single-familysingle-family
- 9.4% townhousetownhouse
- 7.6% 2–4 units2–4 units
- 16.8% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Westerville’s homes were built
pre-19401970s2020+
46.3%
of Westerville 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.
$111,500
County area median income, 4 people (HUD)HUD area median income, Franklin County, 4-person household (2026)
$109,404
Westerville median household incomeMedian household income in Westerville (Census, 2024)
15 of the 74 programs here set their income limit as a share of Franklin County’s area median income, adjusted for household size. See the published limits for Franklin County
Free help nearbyFree help near Westerville
7 HUD-approved counseling agencies within 15 miles7 HUD-approved housing counseling agencies within 15 miles
5 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 5 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
Westerville questions
Does Westerville have its own down payment program?
No program run for Westerville alone is listed. A home in Westerville can use the 5 programs that cover Franklin County and the 7 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Westerville?
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 Franklin County?
Each program sets its own. 15 of the programs here set theirs as a share of HUD’s area median income for Franklin 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 Westerville?
HUD-approved housing counseling agencies teach homebuyer classes, and 7 agencies are within 15 miles of Westerville. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
43081 · 43082 · 43086
Nearby in Franklin
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.