Welcome Home

Welcome Home program features


Introducing... Welcome Home  Do you have clients that could take advantage of the Welcome Home down payment assistance program?  Let Heartland Bank help!


The Welcome Home program provides a grant for qualified home buyers of up to $5,000 of assistance towards the down payment and/or closing costs of their new home.  This is a tremendous opportunity for anyone who has ever dreamed of owning a home.

  • Designed to assist low to moderate income families achieve home ownership
  • The total income for all occupants must be at or below 80% of the Mortgage Revenue Bond limit for the county and state where the property is located
  • Up to $5,000 of assistance toward the down payment and/or closing costs of a new home for qualified homebuyers*
  • Honorably discharged veterans and active duty military homebuyers may receive Welcome Home grants up to $7,500
  • Homebuyer must contribute at least $500 of their own funds towards down payment and/or closing costs
  • First time homebuyers and repeat homebuyers are BOTH eligible
  • First time homebuyers must complete a homeownership counseling program
  • All eligible property assisted with Welcome Home Program funds is subject a five-year retention mechanism, which may require the household to repay all, or a portion, of the subsidy, if the home is sold or refinanced within five years from closing of the transaction
  • Get your clients pre-qualifed now so that they can buy a home in March before funds disappear!

Welcome Home funds will be available for reservation on a first-come, first-served basis beginning at 8:00 AM ET on March 2, 2020, and will remain available until all funds have been reserved.

Call (614) 490-7214 for details! 




* Heartland Bank is pleased to offer the Welcome Home Program through the Federal Home Loan Bank of Cincinnati. Home buyers may qualify for up to $5,000 in grant funds (or $7,500 for honorably discharged veterans and active duty military homebuyers) through the Welcome Home Program towards a down payment and closing costs. All loans are subject to credit approval. A low contribution towards closing costs will be required from the borrower. Other terms and conditions may apply. Program subject to termination at any time.