Cleveland Housing Trust Fund (HTF)

City of Cleveland, Department of Community Development

Available Home Repair

About This Program

Cleveland Housing Trust Fund (HTF) is available to homeowners and renters in Cleveland, OH.

City-managed fund coordinating federal and non-federal resources for affordable housing construction and rehabilitation. Provides soft, cash-flow-contingent loans to developers. For-sale projects: up to $40,000 per unit in gap financing. Serves households at or below 60% AMI. ~$3.3M allocated in 2024. Individuals benefit through affordable homes built by nonprofits using HTF.

Primarily for developers; homebuyers benefit via affordable units built

Official program page checked live on 2026-06-22.

Data last verified 2026-04-01. How we verify our data.

In Cleveland, OH, you can combine this program with other local help to cut your cost:

Key Details

  • Soft loans to developers for affordable housing (rental or for-sale)
  • For-sale projects: up to $40,000 per unit in gap financing
  • Serves households at or below 60% AMI
  • ~$3.3M allocated by City in 2024
  • Individuals benefit via nonprofit-built affordable homes

How to Apply

Get free help applying Visit Official Program Page Track this program

216-664-2900

A grant-savvy contractor in Cleveland, OH can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Cleveland early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Annual RFP for developers; individual homebuyers benefit indirectly

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can Cleveland Housing Trust Fund (HTF) provide in Cleveland, OH?

Up to $40,000 gap financing per unit (for-sale projects).

Who qualifies for Cleveland Housing Trust Fund (HTF) in Cleveland?

Cleveland Housing Trust Fund (HTF) is open to homeowners and renters in Cleveland, OH. It prioritizes low-income households.

How do I apply for Cleveland Housing Trust Fund (HTF) in Cleveland, OH?

Apply directly with City of Cleveland, Department of Community Development using the official program link on this page or call 216-664-2900. There is no middleman and no fee.

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