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Homebuyer Programs in Strongsville, OH (2026)

Last updated April 8, 2026 | Population: 45,510 | Median home price: $325,000 | Est. closing costs: $6,500 - $10,000

Skyline of Strongsville, OH

Strongsville is a city of about 45,500 residents in Cuyahoga County, Ohio, located about 20 miles southwest of Cleveland. With a median home price around $325,000, Strongsville is a well-established suburban community with strong schools and amenities. As one of the 51 eligible communities in the Cuyahoga County Down Payment Assistance Program, Strongsville buyers can access up to $20,900 (or 10% of the purchase price) as a deferred loan, with 50% forgiven after 10 years. At the state level, the OHFA Your Choice! Down Payment Assistance program provides 3% to 3.5% of the purchase price as a forgivable loan, and the FHLB Cincinnati Welcome Home Program offers grants of $10,000 to $25,000. Greater Cleveland Habitat for Humanity also serves Cuyahoga County. By combining county, state, and federal programs, Strongsville buyers could access over $30,000 in total assistance.

Top Homebuyer Programs in Strongsville

Cuyahoga County Down Payment Assistance Program
Type:
Deferred Loan
Amount:
Up to 10% of the purchase price, capped at $20,900
First-time only:
No
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
Greater Cleveland Habitat for Humanity Homeownership Program
Type:
Zero-Interest Loan
Amount:
Homes sold at no profit with 0% interest mortgages. Minimal down payment and closing costs required.
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 Cuyahoga County DPA program requires household income at or below 80% of the Area Median Income and that you have not owned a home in the past 3 years. OHFA state programs have separate income limits.

  2. Step 2:

    Complete homebuyer education. CHN Housing Partners offers free homeownership classes required for the Cuyahoga County DPA program. Contact them at (216) 881-8443.

  3. Step 3:

    Contact Believe Mortgage at 855-764-LOAN (5626) to apply for the Cuyahoga County Down Payment Assistance Program, which provides up to $20,900.

  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 Strongsville or another eligible Cuyahoga County community. The county DPA program covers 51 communities.

  6. Step 6:

    Submit your application. The county assistance is structured as a deferred subordinated loan with 50% forgiven after 10 years of owner-occupancy.

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