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Homebuyer Programs in Cuyahoga Falls, OH (2026)

Last updated April 8, 2026 | Population: 50,742 | Median home price: $220,000 | Est. closing costs: $4,500 - $6,500

Skyline of Cuyahoga Falls, OH

Cuyahoga Falls is a city of about 50,700 residents in Summit County, Ohio, situated just north of Akron. With a median home price around $220,000, Cuyahoga Falls offers a balance of suburban amenities and affordable homeownership. The Summit County First Home First Loan program provides up to $12,000 as a 3-to-1 down payment match for first-time buyers. Habitat for Humanity of Summit County has been actively building in Cuyahoga Falls, including a recent neighborhood revitalization project. Nazareth Housing Development Corporation also offers affordable new construction homes in the area. At the state level, the OHFA Your Choice! Down Payment Assistance program adds 3% to 3.5% of the purchase price as a forgivable loan. By combining county, state, and federal programs, Cuyahoga Falls buyers could access over $20,000 in total assistance.

Top Homebuyer Programs in Cuyahoga Falls

Summit County First Home First Loan Down Payment Assistance
Type:
Deferred Loan
Amount:
Up to $12,000 as a 3-to-1 down payment match
First-time only:
Yes
FHA Loans
Type:
Government-Insured Mortgage
Amount:
Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)
First-time only:
No
FHLBA Community Partners Product
Type:
Forgivable Loan
Amount:
Up to $20,000 in home purchase assistance for down payment and closing costs
First-time only:
No
FHLBA First Time Homebuyer Product
Type:
Forgivable Loan
Amount:
Up to $17,500 in home purchase assistance for down payment and closing costs
First-time only:
Yes
FHLBA Workforce Housing Plus+
Type:
Forgivable Loan
Amount:
Up to $15,000 in home purchase assistance for down payment and closing costs
First-time only:
No
Good Neighbor Next Door (HUD)
Type:
Government Property Sale Program
Amount:
50% discount off the list price of HUD-owned homes
First-time only:
Yes
Home Possible Mortgage (Freddie Mac)
Type:
Government-Guaranteed Mortgage
Amount:
Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
First-time only:
No
HomeReady Mortgage (Fannie Mae)
Type:
Government-Guaranteed Mortgage
Amount:
Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
First-time only:
No
HUD $100 Down Program
Type:
FHA-Financed HUD REO Purchase
Amount:
Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.
First-time only:
No
USDA Rural Development Loans
Type:
Government-Guaranteed Mortgage
Amount:
100% financing (no down payment required); loan amount up to appraised value
First-time only:
No
VA Loans
Type:
Government-Guaranteed Mortgage
Amount:
No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)
First-time only:
No
Habitat for Humanity of Summit County Homeownership Program
Type:
Zero-Interest Loan
Amount:
Homes sold with 0% interest mortgages. Affordable monthly payments based on household income.
First-time only:
No
Nazareth Housing Development Corporation Homeownership Program
Type:
Zero-Interest Loan
Amount:
Affordable new construction homes for low and moderate income families
First-time only:
No
Communities First Ohio Down Payment Assistance (The Port)
Type:
Grant
Amount:
3%, 4%, or 5% of the purchase price as a grant toward down payment and closing costs
First-time only:
No
FHLB Cincinnati Welcome Home Program
Type:
Grant
Amount:
Grants of $10,000 to $20,000; up to $25,000 for veterans, active-duty military, and surviving spouses
First-time only:
Yes
OHFA Grants for Grads
Type:
Forgivable Loan
Amount:
3% for Conventional loans or 3.5% for Government loans (FHA, VA, USDA) of the purchase price, plus a discounted mortgage interest rate
First-time only:
Yes
OHFA Mortgage Tax Credit
Type:
Tax Credit
Amount:
Federal tax credit of 40% of annual mortgage interest paid, up to $2,000 per year (with OHFA loan). 15-20% with other lenders.
First-time only:
Yes
OHFA Ohio Heroes
Type:
Forgivable Loan
Amount:
3% for Conventional loans or 3.5% for Government loans (FHA, VA, USDA) of the purchase price, plus a discounted mortgage interest rate
First-time only:
Yes
OHFA Your Choice! Down Payment Assistance
Type:
Forgivable Loan
Amount:
3% for Conventional loans or 3.5% for Government loans (FHA, VA, USDA) of the purchase price
First-time only:
Yes

How to Apply

  1. Step 1:

    Check your eligibility. The Summit County First Home First Loan program requires household income at or below 80% of the Area Median Income. Review current income limits through the Summit County Executive's Office.

  2. Step 2:

    Complete homebuyer education. Nazareth Housing Development Corporation offers free homebuyer education and financial literacy courses at (330) 374-1526. OHFA programs also require completion of a HUD-approved homebuyer education course.

  3. Step 3:

    Contact the Summit County Executive's Office about the First Home First Loan program. This program matches your down payment contribution 3-to-1, up to $12,000 total.

  4. Step 4:

    Get pre-approved for a mortgage. Work with an OHFA-participating lender to explore state programs like Your Choice! DPA, Ohio Heroes, or Grants for Grads. Find participating lenders at myohiohome.org.

  5. Step 5:

    Find a home within Summit County. Ensure the property meets any applicable purchase price limits for your chosen programs.

  6. Step 6:

    Submit your application. Allow time for processing and coordinate between county and state program applications to maximize your total assistance.

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