See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 8, 2026
Homebuyer Programs in Strongsville, OH (2026)
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.
County Programs in Cuyahoga County
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Cuyahoga County Down Payment Assistance Program | Deferred Loan | Up to 10% of the purchase price, capped at $20,900 | No | View → |
- Type:
- Deferred Loan
- Amount:
- Up to 10% of the purchase price, capped at $20,900
- First-time only:
- No
State Programs in Ohio
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Communities First Ohio Down Payment Assistance (The Port) | Grant | 3%, 4%, or 5% of the purchase price as a grant toward down payment and closing costs | No | View → |
| FHLB Cincinnati Welcome Home Program | Grant | Grants of $10,000 to $20,000; up to $25,000 for veterans, active-duty military, and surviving spouses | Yes | View → |
| OHFA Grants for Grads | Forgivable Loan | 3% for Conventional loans or 3.5% for Government loans (FHA, VA, USDA) of the purchase price, plus a discounted mortgage interest rate | Yes | View → |
| OHFA Mortgage Tax Credit | Tax Credit | Federal tax credit of 40% of annual mortgage interest paid, up to $2,000 per year (with OHFA loan). 15-20% with other lenders. | Yes | View → |
| OHFA Ohio Heroes | Forgivable Loan | 3% for Conventional loans or 3.5% for Government loans (FHA, VA, USDA) of the purchase price, plus a discounted mortgage interest rate | Yes | View → |
| OHFA Your Choice! Down Payment Assistance | Forgivable Loan | 3% for Conventional loans or 3.5% for Government loans (FHA, VA, USDA) of the purchase price | Yes | View → |
- Type:
- Grant
- Amount:
- 3%, 4%, or 5% of the purchase price as a grant toward down payment and closing costs
- First-time only:
- No
- 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
- 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
- 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
- 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
- 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
Federal Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| FHA Loans | Government-Insured Mortgage | Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026) | No | View → |
| Good Neighbor Next Door (HUD) | Government Property Sale Program | 50% discount off the list price of HUD-owned homes | Yes | View → |
| Home Possible Mortgage (Freddie Mac) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HomeReady Mortgage (Fannie Mae) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HUD $100 Down Program | FHA-Financed HUD REO Purchase | Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs. | No | View → |
| USDA Rural Development Loans | Government-Guaranteed Mortgage | 100% financing (no down payment required); loan amount up to appraised value | No | View → |
| VA Loans | Government-Guaranteed Mortgage | No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026) | No | View → |
- 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
- Type:
- Government Property Sale Program
- Amount:
- 50% discount off the list price of HUD-owned homes
- First-time only:
- Yes
- 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
- 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
- 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
- Type:
- Government-Guaranteed Mortgage
- Amount:
- 100% financing (no down payment required); loan amount up to appraised value
- First-time only:
- No
- 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
Nonprofit Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Greater Cleveland Habitat for Humanity Homeownership Program | Zero-Interest Loan | Homes sold at no profit with 0% interest mortgages. Minimal down payment and closing costs required. | No | View → |
- 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
How to Apply
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.
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.
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.
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.
Step 5: Find a home within Strongsville or another eligible Cuyahoga County community. The county DPA program covers 51 communities.
Step 6: Submit your application. The county assistance is structured as a deferred subordinated loan with 50% forgiven after 10 years of owner-occupancy.
Frequently Asked Questions
How much down payment assistance can I get in Strongsville?+−
Do I have to be a first-time homebuyer to qualify?+−
What are the forgiveness terms for the Cuyahoga County DPA?+−
What is the maximum home price I can pay?+−
What homebuyer education is required?+−
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