A variety of resources are available in Cuyahoga County to assist home and property owners in maintaining or upgrading their property, including a wide range of financial assistance programs. Below are overviews of several programs. For more information, please refer to the contact information provided for each program.
Four Component (4COM) Home Repair Loans
Low interest rate loans are available to assist low-and-moderate income homeowners with the repair and/or replacement of the following: roof, electrical, furnace, and plumbing (including sanitary sewer connections). Loans are available for one- to four-family homes, though the owner must occupy one of the units. Repayment terms and interest rates vary.

Seniors 62 years or older who meet eligibility and income criteria may be offered a 0% interest deferred loan, meaning there are no monthly payments and the full loan amount becomes due when the property transfers title.


  • Must meet HUD income guidelines (see application)
  • Owner must reside in property as their primary residence.
  • Property taxes must be current or provide proof of a signed tax repayment plan with Cuyahoga County.
  • A current homeowner’s insurance policy must be in place.
  • Bankruptcies must be discharged (for a minimum of two years).

Contact: Cuyahoga County Department of Development, Rehabilitation Loan Officer, 216-348-4066

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Home Enhancement Loan Program (HELP)
Property owners may obtain low-interest loans to be used for alterations, repairs, maintenance, improvements, code violation upgrades, and property upgrades. Interest rates are no less than 3% below market rate. Minimum loan amount is $3,000. Maximum loan amount is $200,000 for one- and two-family dwellings, and the lesser of $200,000 or $20,000 per unit for multi-family dwellings. Repayment terms vary based on value of loan.


  • No income requirements.
  • One-, two-, and multi-family dwellings are eligible. One- and two-family dwellings cannot be valued greater than $250,000. Multi-family dwellings are eligible regardless of market value.
  • Property taxes must be current.

Contact: Branches of these participating banks: First Federal of Lakewood, Huntington Bank, KeyBank, PNC Bank, and U.S. Bank. Contact information for Fairview Park branches is available in our Business Directory.

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Home Performance with ENERGY STAR® Program
This program uses a whole-house approach to make any home more energy efficient, thus lowering energy costs. Certified GoodCents auditors perform a home performance assessment and provide recommendations to the customer. The customer can decide which energy efficiency measures may be worth installing. A number of rebates are available, depending on the type of work that is being done.


  • Residential customers of Dominion East Ohio with an active account.
  • Residence must be individually metered.
  • Not on the Percentage of Income Payment Plan Plus.
  • Not eligible for the Home Energy Assistance Program.
  • To qualify for rebates, you must use a certified home auditor for the assessment and a participating contractor when making improvements.

Contact: GoodCents, 877-287-3416

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Home Repair Loan Program
This program offers low-interest rehabilitation loans that can be used for repair, maintenance, property upgrades, and code violation compliance. Eligible homeowners can also receive assistance with job specifications, cost estimates, contractor selection, and project oversight. This program provides an affordable, accessible mortgage product for those who may not be able to access conventional lending products. Interest rate and terms vary.


  • Home must be owner occupied
  • Mortgage must be current
  • Property taxes must be current
  • Home insurance must be up-to-date and current

Contact: Neighborhood Housing Services of Greater Cleveland, 216-458-4663 x323

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Income-based Energy Assistance Programs
The State of Ohio offers several programs to assist Ohioans in paying their utility bills and to improve the energy efficiency of their homes. Each of the programs below requires that households meet certain income guidelines to be eligible.

The Home Energy Assistance Program (HEAP) is a program that provides eligible low-income Ohioans a one-time benefit annually to their primary heating source account. For example, if a house is heated with a gas furnace, a credit will be provided to the gas bill. The amount of the one-time HEAP benefit depends on federal funding levels, how many people live with you, and total household income.

The Home Weatherization Assistance Program (HWAP) is a residential energy efficiency program that reduces the energy use of qualified low-income households, thus creating more affordable housing for those most in need. Services include attic, wall, and basement insulation; blower-door-guided air leakage reduction; heating system repairs or replacements; and health and safety testing and inspections. All measures are provided based on an on-site energy efficiency assessment.

Percentage of Income Payment Plan (PIPP) Plus is an extended payment arrangement that requires regulated gas and electric companies to accept payments based on a percentage of the household income for customers whose monthly countable income is at or below 150 percent of the current federal poverty guidelines. For example, if you heat with gas, you pay 6 percent of your monthly household income to your gas company and 6 percent to your electric company.

Household Income Explanation
Household income includes the gross income of all household members, minus the wage or salary income earned by dependent minors less than 18 years of age. Gross income includes, but is not limited to, wages (excluding documented health insurance premiums), interest, annuities, pensions, Social Security (excluding Medicare premiums), retirement, employment disability, public assistance, Supplemental Security Income (SSI), alimony, child support, unemployment benefits, Workers’ Compensation, and any other indirect income such as utility allowances. Other exclusions may apply if documented. Please visit energyhelp.ohio.gov for a list of all included and excluded income.