Programs & Services

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CONTRACTORS WANTED

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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

HOME We are here to help-ENGLISH logoThe 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. 

Related Documents:


RGLogo2022

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
440-323-3364

Mortgage Assistance

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).

Eligibility
  • Lorain Occupied Homeowner 
  • Valid and current mortgage
  • Negatively Impacted by the COVID-19 pandemic
  • Low-to-moderate income

Rental Assistance

Designed to help low-to-moderate income Lorain residents who have been negatively impacted by the COVID-19 pandemic pay their rent.

You can receive up to 3 months of assistance, including up to 6 months of arrears or $5,000 (whichever comes first).

Eligibility
  • Lorain resident
  • Valid and current lease agreement
  • Negatively Impacted by the COVID-19 pandemic
  • Low-to-moderate income

Utility Assistance

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
Household Size
Extremely Low (30%)
Low (50%)
Moderate (80%)
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
7
$31,750 or less
$31,751 - $52,950$52,951 - $84,700
8
$33,800 or less
$33,801 - $56,400$56,401 - $90,200


Weatherization Program 
(Furnace & Hot Water Tank Repair and Replacement)

For more information contact:

614-861-7992 

or visit: http://www.groundlevelsolutions.org/content/warmchoice%C2%AE-program


Lead Abatement Program

For more information contact:


Erie County Health Department
419-626-5623  

or visit: https://eriecohealthohio.com/lead-hazard-healthy-homes-progam/