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Lucas County
Community Housing Improvement Program
Housing Assistance Application
Down Payment Assistance Application
Program Summary:
The Lucas County Community Housing Improvement Program (CHIP) is a
competitively awarded grant provided to eligible communities to assist low and
moderate-income residents with housing improvements.
The Community Housing Improvement Program is administered by Walden Wilson,
Lucas County Housing Specialist. The Community Housing Improvement Program
includes a variety of activities to assist low and moderate-income households
with housing affordability and repairs.
Activities:
1. Private Owner Rehabilitation
The purpose of this is to assist three owner occupied houses and provide full
rehabilitation services to bring the houses up to state residential standards.
This includes appropriate lead-based paint assessment/abatement assistance
will be in the form of 0% deferred loans.
2. Home Repair
The purpose of this activity is to assist two owner occupied houses to address
one or two health or safety concerns in the house (e.g. plumbing, electrical,
heating, roof) Assistance is in the form of grants.
3. Down payment assistance/ Rehabilitation
The purpose of this is to assist two homebuyers for down-payment/closing costs
and rehabilitation of the unit to bring the houses up to state residential
rehabilitation standards.
As a secondary outcome, to provide pre-purchase counseling and post-purchase
counseling (for up to five years from the time of the loan closing) for the
two homebuyers. The counseling is required by OHCP and will take place prior
to closing on the home. Pre-purchase counseling will cover such topics as
resolution of credit issues, reviewing documents/statements necessary to
complete the mortgage application process, establishing and maintaining a
monthly budget, and a fair housing component. Post-purchase counseling
activities include money management issues and home maintenance education,
such as simple repair courses.
4. Tenant-Based Rental Assistance
This will provide eligible clients with rental payments to remain in a home or
apartment. These funds will assist the local housing authority in alleviating
homelessness within the community by building on the existing programs available
through the housing authority.
5. Habitat for Humanity
Habitat for Humanity assists in the construction of two new houses within the
County (excluding the cities of Oregon & Toledo).
Areas not covered under the CHIP Program:
Residents living in the cities of Toledo and Oregon are not eligible for
assistance from this program. The cities of Toledo and Oregon receive separate
CHIP program funding which will be used for residents living in those cities.
Interested homeowners should contact city representatives to check on the
availability of their CHIP funds for assistance.
Income Limits:
Following is a chart of the current income limits to be eligible for the
Lucas County CHIP program based on the number of people living in the
household at the time of application.
Median Family Income:
$60,100
|
1 Person |
2
Person |
3
Person |
4
Person |
5
Person |
6
Person |
7
Person |
8
person |
|
Low Income (80%) |
$33,650 |
$38,500 |
$43,300 |
$48,100 |
$51,950 |
$55,800 |
$59,650 |
$63,500 |
|
Very Low Income(50%) |
$21,050 |
$24,050 |
$27,050 |
$30,050 |
$32,450 |
$34,850 |
$37,250 |
$39,650 |
|
Extremely Low Income(30%) |
$12,650 |
$14,450 |
$16,250 |
$18,050 |
$19,500 |
$20,950 |
$22,400 |
$23,850 |
According to the activity guidelines, the money must be spent to correct
Code Violations and to meet rehabilitation standards ONLY. An experienced and
qualified contractor or builder in each particular job classification must
complete all work. All work must pass inspection in accordance with the
building and housing codes. An activity inspector will review all work prior
to release of funds to the contractor. The homeowner must also review and
approve of all work performed prior to the release of funds.
Additional information is available by calling Walden Wilson, Housing
Specialist at (419) 213-6340
Click here for Housing Resources
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