Housing and Community Development

Housing Programs

View the Housing Programs flyer.

Down Payment Assistance Program

Administered by CHN Housing Partners

The Cuyahoga County Down Payment Assistance Program provides funds for first time homebuyers to purchase a home. These loans are available to income qualified homebuyers for eligible costs including title search, legal fees, and closing costs.

(855) 764-LOAN (5626)


Fair Housing

Administered by Heights Community Congress and Housing Research and Advocacy Center

Landlord/Tenant Counseling & Workshops, including: Fair Housing Training Seminars & Conferences, Discrimination Complaints, Insurance Audits, and more.

Heights Community Congress – (216) 321-6775
Housing Research and Advocacy Center – (216) 361-9240


Emergency Furnace Repair

Administered by Community Housing Solutions

The Emergency Furnace repair program provides emergency service to households in the County whose heating system need be repaired or replaced.

(216) 231-5815


Emergency Rental Assistance

Administered by CHN Housing Partners

Emergency Rental Assistance Program provides emergency, short term, rental assistance to prevent evictions for Cuyahoga County residents negatively impacted by the Covid-19 pandemic. Payment will only be made to the Owner, Management Company or other identified entity on the current lease.

To learn more and apply, visit NEOrenthelp.org.
For questions, please call (833) 377-RENT (7368).


Emergency Mortgage Assistance

Administered by Breaking Chains, CHN Housing Partners, Community Housing Solutions and Empowering and Strengthening Ohio’s People

Provides comprehensive financial counseling and mortgage assistance loans to eligible homeowners, affected by Covid-19, who reside within the Cuyahoga Urban County Community.

To apply for the Cuyahoga County Mortgage Assistance Program, call (216) 600-2814.


Homeowner Repair Program

Administered by CHN Housing Partners

Provides eligible low-moderate income home owners, particularly seniors, with the ability to obtain financial assistance to make health and safety repairs to their home.

855-764-LOAN (5626) - Mon - Fri: 8:30 AM - 5 PM
2999 Payne Avenue, Ste. 134, Cleveland, OH 44114


Financial Counseling and Foreclosure Prevention

Administered by Breaking Chains, Inc.


CHN Housing Partners

Community Housing Solutions
216-231-5815 - Fax: 216-231-5845

(216) 373-1854

Home Repair Resource Center
(216) 381-6100

The Legal Aid Society of Greater Cleveland

The Foreclosure Prevention program provides countywide outreach and counseling specifically for homeowners with mortgage and/or real property tax issues.


Housing Enhancement Loan Program (HELP)

Funded by Cuyahoga County
Administered by Key Bank

The Home Enhancement Loan Program (HELP) provides homeowners of occupied or investment properties in eligible Cuyahoga County communities home improvement loans, at three percentage points below normal bank rates, for home repair or remodeling projects. HELP has no restrictions on a borrower’s income and few limitations on what improvements can be made to a property.

Eligibility and Requirements

Applicants must meet all of the following eligibility requirements:

  1. Applicant must meet bank’s normal lending criteria.
  2. Must be in an eligible community (all communities in Cuyahoga County except Bentleyville, Chagrin Falls Township, and Hunting Valley are eligible)
  3. Single-family, two-family, and multi-family dwellings are eligible. Single and two-family dwellings must have a tax value of less than $250,000. There is no tax value limit on multi-family dwellings.
  4. Eligible types of home repairs include alterations, repairs, maintenance, or improvements. Loans may also be used for code violation compliance and property upgrades. 
    • Excludes all Kitchen Appliances. (i.e., Stoves, Refrigerators, Dishwashers, Microwaves, etc.…)
  1. Luxury projects and improvements are not eligible (i.e., tennis courts, swimming pools, hot tubs, horse stables, etc.)

Application and Contact Information

Applications can be obtained through any Key Bank branch or by downloading the Online Help Loan Application and then submitting the completed application to any Key Bank branch.


Heritage Home Loan Program

Administered by Participating Banks

  • Income Eligibility Requirement – None.
  • Age of Home Requirement – Yes. Home must be 50 years old or older.
  • Eligible Types of home repairs – Electrical, HVAC/Furnace, Plumbing, Roof, kitchen/bath renovation, insulation, window, basement waterproofing, masonry, painting, compatible additions, and finishing attic. Luxury projects/improvements are not eligible, i.e. vinyl siding or vinyl windows, hot tubs, swimming pools, decks, etc.
  • Participating Banks: Key Bank and Third Federal.

For more information, please call the Cleveland Restoration Society at (216) 426-3116.


Lead Safe Program

Administered by Cuyahoga County Board of Health (excludes City of Cleveland)

  • Income Eligibility Requirement – Yes.
  • Age of Home Requirement – None
  • Homeowners or renters with children 5 years of age or younger are eligible for lead contaminated home repairs, including: windows, doors, porches, and exterior house repairs.

For more information, please contact the Cuyahoga County Board of Health at (216) 201-2000 ext. 1527.