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Home at Last

Quick answer

Home at Last is a Ohio down payment assistance program from City of Toledo Department of Neighborhood and Business Development. It provides Up to $12,500; up to $20,000 in target neighborhoods as a grant (no repayment). It is aimed at first-time buyers. Eligibility, income limits and funding are set by the agency, so confirm current terms on its official page.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast verified

Eligibility notes

Grant provided at closing; 2026 eligibility listed; page updated 10/15/2026.

Where does Home at Last apply?

This city-level program is available to buyers in Toledo. Cities on our site where it applies:

DetailProgram terms
AssistanceUp to $12,500; up to $20,000 in target neighborhoods
TypeGrant (no repayment)
Minimum creditNot published on the program page
First-time buyerRequired
Income limits80% AMI

How does Home at Last work with an FHA loan?

Ohio's 2026 FHA one-unit limits start at $541,287, which supports a price of about $560,000 with 3.5% down.

Where do I confirm current terms?

On the official page: https://toledo.oh.gov/services/neighborhood-and-business-development/housing/programs/home-at-last/. Programs can pause when funds run out, so confirm availability with a participating lender.

← All Ohio down payment assistance programs

Frequently asked questions

Up to $12,500; up to $20,000 in target neighborhoods, according to City of Toledo Department of Neighborhood and Business Development.

No — it's a grant.

80% AMI

Sources

Data last updated October 25, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.