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 the to make repairs on their homes to improve the quality of their lives and create a positive effect in the surrounding neighborhood. The program provides up to $75,000 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.
Essential Home Repair Program
The City of Lorain, Building, Housing and Planning Department (BHP), through CDBG funding, has established a program for eligible homeowners to receive funding up to $15,000 intended to correct one life and safety issue within the home, which if neglected, could adversely affect the health, safety, and welfare of the occupants.
Please Call: 440-204-2020 to have an application mailed to you.
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 the 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 mortgages.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 the 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 plan or receive assistance from other providers, including the utility provider.
FY 2023 Income Limits
Cleveland-Elyria, OH MSA
Extremely Low (30%)
|1||$19,000 or less||$19,001 - $31,650||$31,651-$37,980||$37,981 - $50,650|
|2||$21,700 or less||$21,701 - $36,200||$36,201-$43,440||$43,441 - $57,850|
|3||$24,400 or less||$24,401 - $40,700||$40,701-$48,840||$48,841 - $65,100|
|4||$27,100 or less||$27,101 - $45,200||$45,201-$54,240||$54,241 - $72,300|
|5||$29,300 or less||$29,301 - $48,850||$48,851-$58,620||$58,621 - $78,100|
|6||$31,450 or less||$31,451 - $52,540||$52,451-$62,940||$62,941 - $83,900|
$33,650 or less
|$33,651 - $56,050||$56,051-$67,260||$67,261 - $89,700|
$35,800 or less
|$35,801 - $59,700||$59,701-$71,640||$71,641 - $95,450|
Lead Abatement Program
For more information contact:
Erie County Health Department