WOCAP is a HUD Certified Agency that provides pre-purchase counseling and twelve hours of home ownership classes that identify the process in which home ownership is accomplished.

Home Ownership | WOCAP | West Ohio Community Action PartnershipLower-income families spend more than ½ their monthly income on housing. Most of these families are renters who have about $20 a day to pay for utilities, childcare, transportation and other necessities of life. In the past 50 years, the number of people who pay more than 30% of their income for housing has doubled. Extremely rent burdened households pay more than 50% of their income for housing.

Affordable housing is a key to financial stability due to the majority of home mortgages where regular payments reduce the principal balance and shrink interest payments, rising equity and a “forced savings” mechanism. The longer a family owns a home, the greater the benefit to that family financially.

Classes are offered to help families in the process of home ownership and the steps to make it a reality, including:

  • Establish good credit
  • Home budgeting
  • Home repair and maintenance
  • Home purchasing process
  • Foreclosure prevention education
  • Housing insurance
  • The importance of getting involved in your neighborhood association

This program prepares participants with knowledge and resources needed to purchase their first home.

For more information contact David Shook – 419-227-0158 ext.122

Down Payment Assistance

WOCAP’s First Home Lima down assistance program can help you earn up to $6000.00 for down payment and/or closing costs for homes purchased in the City of Lima, and $4000.00 for a home purchased in Allen County Outside the City of Lima, in Auglaize and Mercer Counties, through WOCAP’s Superior Down Payment Assistance program.

There is a non-refundable $20.00 application fee that is due when submitting your application at New Lima-Housing for the Future for WOCAP’s FHL program only.

Check to see if you qualify! Contact David Shook at 419-227-0158 ext. 122

City of Lima & Allen County

1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
31,700 37,400 42,050 46,700 50,450 54,200 57,950 61,650

Auglaize County

1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
36,200 41,400 46,550 51,700 55,750 60,000 64,150 68,250

Mercer County

1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
37,250 42,600 47,900 53,200 57,500 61,750 66,000 70,250