Programs & Services
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Housing programs are open and available to eligible City of Lorain, owner-occupied residents only. Subject to fund(s) availability.
HOME Rehabilitation Loan Program
|The City of Lorain’s new HOME Rehabilitation Loan Program affords eligible low-and-moderate income homeowners to make repairs on their home to improve the quality of their lives and create a positive effect in the surrounding neighborhood. The program provides up to $45,000 of home rehabilitation to owner-occupied houses in the City of Lorain. |
Applications are available by calling 440-204-2020 to speak with a member of the Housing Division.
Roof & Gutter Program (formerly Home Repair)
Please Call: 440-204-2020 for an application and brochure.
Maximum Eligible Area Median Income (AMI)
EMERGENCY ASSISTANCE PROGRAMS
The Emergency Assistance Program is designed to aid in mitigating the risk of housing instability in the City of Lorain due to financial hardships caused by or exemplified by the coronavirus pandemic. The City of Lorain and the Lorain County Urban League have designed a program to provide mortgage, rental, and/or utility assistance to low-to-moderate income Lorain residents who are facing risk of eviction, foreclosure, and/or disconnection of utility services to maintain safe, adequate, and stable housing while preventing homelessness.
If you are interested in applying for any of these programs, please contact:
Lorain County Urban League
Designed to help low-to-moderate income Lorain homeowners who have been negatively impacted by the COVID-19 pandemic pay their mortgage.You can receive up to 3 months of assistance, including up to 6 months of arrears or $15,000 (whichever comes first).
You can receive up to 3 months of assistance, including up to 6 months of arrears or $5,000 (whichever comes first).
Utility assistance is a one-time assistance for gas, electricity, and/or internet (must be hardwired) for City of Lorain residents negatively impacted by the COVID-19 pandemic up to $1,000. Due to the wide array of assistance available for utility services, applicants must also demonstrate their inability to maintain a payment play or receive assistance from other providers, including the utility provider.
FY 2022 Income Limits
Cleveland-Elyria, OH MSA
Extremely Low (30%)
|1||$17,950 or less||$17,951 - $29,900||$29,901 - $47,850|
|2||$20,500 or less||$20,501 - $34,200||$34,201 - $54,650|
|3||$23,050 or less||$23,051 - $38,450||$38,451 - $61,500|
|4||$25,600 or less||$25,601 - $42,700||$42,700 - $68,300|
|5||$27,650 or less||$27,651 - $46,150||$46,151 - $73,800|
|6||$29,700 or less||$29,701 - 449,550||$49,551 - $79,250|
$31,750 or less
|$31,751 - $52,950||$52,951 - $84,700|
$33,800 or less
|$33,801 - $56,400||$56,401 - $90,200|
Lead Abatement Program
For more information contact:
ARPA FUNDING OPPORTUNITIES
The City of Lorain (the “City”) conducted a city-wide survey to determine the prioritization for the use of its American Rescue Plan Act (ARPA) funds. Based on these results, the needs of the community, and the importance of Non-Profit Services and Small Businesses, the City, through its Building, Housing, and Planning Department, has created the Non-Profit Relief Fund, the Relief & Recovery Fund, and the Storefront Renovation Program.
Applications are now available. Completed applications can be submitted via email OR dropped off at Lorain City Hall:
Department of Building, Housing, and Planning
200 W. Erie Ave. - 5th Floor
Lorain, OH 44052Any business or organization that primarily sells tobacco products, cigarettes, electronic smoking devices, THC, or vapor products as those terms are defined in Section 2927.02 of the Ohio Revised Code or operating as a sexually oriented business as that term is defined in Section 2907.40 of the Ohio Revised Code are ineligible for any program or service.
Non-Profit Relief Fund (NRF)
Use of Funds
Relief & Recovery Fund (RRF)
This program intends to provide grant assistance to local hospitality, tourism, and other small businesses located within qualified census tracts that have been affected and negatively impacted by the COVID-19 pandemic and economic fallout.
Use of Funds
Grants will be provided based on financial need in response to the COVID-19 pandemic, based on funding availability and eligibility.
Minor Storefront Renovation Program (MSRP)
This program intends to assist businesses address code enforcement violations as well as create more aesthetic retail and commercial districts for a recovering economy from the COVID-19 pandemic. A renovation must be a new project. Funding is only available to eligible businesses located in a qualified census tract that has been affected and negatively impacted by the COVID-19 pandemic and economic fallout.
Grants, up to $25,000, will be awarded based on financial need in response to the COVID-19 pandemic, availability of funding, evaluation of the business façade, and renovation proposals provided.
Scope of Work and Eligible Renovations