Rates, caps and local money, checked monthly · An independent consumer guide · Not a lender, not the state
Ohio Heroes · Mahoning County
Mahoning County, with Youngstown as its seat, has about 225,000 residents.
Youngstown City Schools, Boardman Local Schools and Austintown Local Schools employ many of the county's eligible educators. The Youngstown Police Department and Youngstown Fire Department are the largest city public-safety employers.
Homes in Youngstown, Struthers, Campbell, Canfield and Sebring fall under the base non-target limits of $98,800 and $113,620. At more modest prices, the percentage-based assistance is easy to estimate: 3.5% of a $150,000 FHA purchase is $5,250.
That money can go toward the down payment, closing costs or other pre-closing costs. It cannot be used for your earnest money deposit, so plan for that separately.
| Income cap, 1–2 people | Income cap, 3 or more | Price cap |
|---|---|---|
| $98,800 | $113,620 | $566,355 |
Mahoning County uses OHFA's base non-target income limits and the standard $566,355 single-family price cap. Compare the statewide table, or work out a price you can carry.
These programs are run by a city, the county or a nonprofit. Some can sit on top of the state loan and some replace it. Each has its own rules, so ask the loan officer which ones combine.
City of Youngstown
$5M ARPA program. The City website slide is titled 'At Home in Youngstown - All Program Funds Expended', and WKBN reported it was out of money. Treat as ended; do not promote.
Checked November 2026 · our sourcing
Check if I qualify →Plan on a homebuyer class. Nearly every assistance program makes you take one before closing. These HUD-approved agencies near Mahoning County teach the class or offer one-on-one counseling before you buy:
| Agency | City | Miles | Services | Languages | How it is taught |
|---|---|---|---|---|---|
| Youngstown Neighborhood Development Corp. | Youngstown | 7 mi | Buyer class / Pre-buy advice | English | By phone |
| Community Building Partnership of Stark County, Inc. | Canton | 34 mi | Buyer class / Pre-buy advice | English | In person / By phone / Online |
| East Akron Neighborhood Development Corp. | Akron | 37 mi | Buyer class / Pre-buy advice | English | In person / By phone |
| Fair Housing Contact Service | Akron | 39 mi | Pre-buy advice | English | By phone |
| Mustard Seed Development Center | Akron | 42 mi | Buyer class / Pre-buy advice | Arabic / Chinese / English / French / Hindi / Korean / Portuguese / Russian / Spanish / Vietnamese | In person / By phone / Online |
From HUD's list of approved housing counseling agencies. A class one program accepts may not count for another.
Mahoning County Sheriff's Office deputies and Boardman or Austintown school staff qualify by role. The full job list
No. OHFA says the assistance can't be used for the earnest money deposit.
Yes. Ohio Heroes can be an FHA, VA, USDA or conventional loan. USDA requires a 640 credit score, and the assistance is 3.5% of the price.
Yes. Pre-K to 12 teachers, administrators and counselors in any Ohio district are on OHFA's list.
Nearby county pages: Franklin · Cuyahoga · Hamilton · Montgomery · Summit · Lucas · Butler · Stark · all of them
Watch your inbox and phone for the reopening notice. Until then, check what is already available.
Am I eligible?
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