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Low Income Housing In Cincinnati, Ohio

Cincinnati Low Income HousingCincinnati has several public housing programs for low income families, the elderly and the disabled that provide decent, affordable places to call home. Throughout the city and Hamilton county, Cincinnati has public housing of all types that are managed by the Cincinnati Metropolitan Housing Authority (CMHA). Since public housing is regulated and funded by the U.S. Department of Housing and Urban Development (HUD Section 8 Housing), the city can offer low income housing to qualifying residents that only require them to pay 30% of their income toward the rent and CMHA pays the rest.

Cincinnati's Habitat for Humanity (part of Habitat for Humanity International) acquired 14 homes in 2010 - ten built as new homes and four rehab homes - through foreclosures and donations and sold them to low-income families at below market prices.

Habitat for Humanity is a nonprofit organization that receives money, labor and material donations from corporations, churches, foundations, organizations and private donors that allows them to provide affordable homes to low-income families in need.  These volunteers and the homeowners are actively involved in building and renovating these homes which makes the process an effective partnership effort.  More information on this program can be found at www.cincinnatihabitat.org

The American Dream Downpayment Initiative (ADDI) program for first-time homebuyers whose income is at or below 80% of Cincinnati's area median income (AMI) can receive up to $8500 in a five-year forgivable loan for downpayment and/or closing costs.  Eligible properties must be single-family homes located within the city limits.  Program guidelines and an application are available at www.cincinnati-oh.gov.  Information is also available on Cinncinnati's home buying and home ownership training classes offered through the city's Community Development Department.

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