See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 8, 2026
Homebuyer Programs in Warren, OH (2026)
Warren is the county seat of Trumbull County in northeast Ohio, with a population of about 38,800 and a median home price around $125,000, making it one of the most affordable markets in the state. Buyers in Warren can access the Catholic Charities Youngstown Down Payment Assistance program offering up to $3,000 as a grant, and the Trumbull Neighborhood Partnership builds new affordable homes for income-eligible buyers at approximately $175,000. Habitat for Humanity of Mahoning Valley also serves Trumbull County families with affordable homeownership through their 0% interest mortgage program. State programs through OHFA add further support, including the OHFA Your Choice! program offering 3% to 3.5% of the purchase price as a forgivable loan and the FHLB Cincinnati Welcome Home Program providing grants of $10,000 to $25,000. By combining local and state programs, eligible Warren buyers can stack significant assistance in an already affordable market.
City Programs in Warren
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| City of Warren Homeownership Loan Program | Forgivable Loan | Up to $3,500 per household | Yes | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to $3,500 per household
- First-time only:
- Yes
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 |
|---|---|---|---|---|
| Catholic Charities Youngstown Down Payment Assistance | Grant | Up to $3,000 | No | View → |
| Habitat for Humanity of Mahoning Valley Homeownership Program | Zero-Interest Loan | Affordable home purchase through partnership building | No | View → |
| Trumbull Neighborhood Partnership Affordable Homeownership | Deferred Loan | New single-family homes at approximately $175,000 for income-eligible buyers | No | View → |
- Type:
- Grant
- Amount:
- Up to $3,000
- First-time only:
- No
- Type:
- Zero-Interest Loan
- Amount:
- Affordable home purchase through partnership building
- First-time only:
- No
- Type:
- Deferred Loan
- Amount:
- New single-family homes at approximately $175,000 for income-eligible buyers
- First-time only:
- No
How to Apply
Step 1: Check your eligibility. OHFA programs have income limits that vary by household size. Catholic Charities DPA requires a 1% buyer contribution. Trumbull Neighborhood Partnership homes require income at or below 80% of area median income.
Step 2: Complete homebuyer education. Catholic Charities provides pre- and post-purchase housing counseling as part of their DPA program. Contact them at 330-393-4254 at 185 Laird Avenue NE, Warren. OHFA programs also require free HUD-approved homebuyer education.
Step 3: Apply for Catholic Charities Down Payment Assistance. Contact Catholic Charities Trumbull County Regional Agency at 330-393-4254 to apply for up to $3,000 as a grant toward your down payment.
Step 4: Explore the Trumbull Neighborhood Partnership. Contact TNP at 330-599-9275 or info@tnpwarren.org to learn about their new affordable homes in Warren neighborhoods for income-eligible buyers.
Step 5: Get pre-approved with an OHFA-approved lender. Visit myohiohome.org to find a participating lender for OHFA Your Choice!, Grants for Grads, or Ohio Heroes program options.
Step 6: Find a home and submit your applications. Coordinate with Catholic Charities and your OHFA lender to process all assistance together. Allow 30-45 days for closing.
Frequently Asked Questions
How much down payment assistance can I get in Warren, OH?+−
Do I have to be a first-time homebuyer to qualify?+−
What is the maximum home price I can purchase with assistance?+−
What homebuyer education is required?+−
Is the City of Warren Homeownership Loan Program still available?+−
Free eligibility check
Buying a home in Warren? 17 programs could help.
How soon are you looking to buy?