Grants and partially-forgivable mortgages to help homeowners, landlords, and first-time homebuyers (down-payment assistance) throughout Wayne County repair their homes and neighborhoods.

TAKING APPLICATIONS! Wayne County, the City of Wooster, and the City of Orrville CHIP Partnership, with support from the Wayne Metropolitan Housing Authority and the City of Rittman, have been awarded CHIP funding for 2020! CHIP continues to take grant applications while funds remain available.


The City of Wooster, City of Orrville, Wayne County, and the Wayne Metropolitan Housing Authority have created a Partnership to help area homeowners, homebuyers, and landlords in covering costs to upgrade homes and apartments. The program allows Wooster and Wayne County (with Orrville) to extend four specialized grant programs to help limited-income homeowners and home-buyers, and also landlords, in repairing and rehabilitating homes throughout Wayne County. Low-to-moderate income households (Moderate-income for a family of four is $54,200 in Wayne County, or $36,700 for an individual) can qualify for grants and partially-forgivable no-interest mortgages through the program. The Partnership anticipates being able to fund projects through the first half of 2019. Funds are limited.

Down-payment assistance

Four Programs To Revitalize Your Home

  • Grants for low-income households for emergency home repairs (including roof, heating, and septic).
  • Interest-free, partially-forgivable loans for low-to-moderate income households to rehabilitate their homes. (85% of the loan is forgiven after 5 years).
  • Interest-free, partially-forgivable loans for first-time home-buyers purchasing homes in need of repair. (85% of the loan is forgiven after 10 years).
  • Forgivable 10-year loan for landlords providing a minimum 25% match in rehabilitating units for low-to-moderate income residents.
  • Moderate-income for a family of four is $46,700 in Wayne County, or $32,700 for an individual.

In 2017, the City of Wooster, the City of Orrville, and Wayne County teamed up as a Partnership to apply for and win funding for a Community Housing Impact and Preservation Program, or simply, CHIP. The State of Ohio provides a combination of Federal and State funds to the Partnership for the program.

As in past years, the Wayne Metropolitan Housing Authority is the consultant for the City of Wooster and Wayne County Partnership, and is available to help residents, homebuyers, and landlords with any questions they may have about CHIP.

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For Homeowners Owning Single-Family Homes

Private Rehabilitation

This program helps homeowners rehabilitating single-family homes with up to $30,000 in funding. A single rehabilitation may entail several projects, such as plumbing upgrades, roof repairs, kitchen upgrades, appliance replacement, removal of lead-based paint, repairs to siding, electrical upgrades, and other repairs needed to make a home safe and secure. Homeowners who qualify will receive a five year deferred (no interest) loan from either the Wayne County government or the City of Wooster municipal government to make the repairs needed to ensure a safe and vibrant home.. 17% of the loan is forgiven each year for five years. The remaining 15% is only due once the owner sells or stops residing in the home, and is used to help other future homeowners in need.

Homeowner Assistance For Aspiring Home-Owners

This exciting program provides a 5 to 15-year no-interest loan for future homeowners seeking to purchase and repair an older home. The program covers homeowners' downpayment, allowing them to seek better terms on their mortgage and purchase their home sooner. Additionally, the program covers the cost of safety repairs necessary to keep the home in working order for years to come. Both applicants and the home being purchased must quality. Applicants must be low-to-moderate income, otherwise qualify for a mortgage (conventional, FHA, USDA, etc), and be willing to complete a HUD-approved 8 hour buyer education course (either in person or online). For a home to qualify, the structure must not require more than $30,000 in safety repairs, must be priced under $136,400 (Wayne County's median home price), and be located outside of a floodplain. The Homeownership program pays for the downpayment and repairs through a 0%, deferred, second mortgage, which is partially forgiven each year with exception to the last 15%, which is only payable when the owner moves out*. Download our brochure here for additional details.

Home Repair for Low-Income Single-Family Homeowners

This grant helps low-income residents with emergency health and safety repairs needed to make their single-family homes safe and intact. The grant covers single projects, such as repairing septic systems, leaking roofs, and heating systems. This grant is available as long as funding allows to homeowners.

Private Rental Rehabilitation For Landlords Renting To Low-to-Moderate Income Tenants

This program is made available to landlords who agree to rent to tenants earning less than 80% area median income. Landlords cover a minimum of 25% of the project to rehabilitate/remodel an older apartment. The remaining amount, up to 75%, is covered by a 10-year forgivable /deferred loan, forgiven 10% yearly until fully forgiven. In return, the landlord rents the apartment only to tenants that qualify as low-to-moderate income over the loan period.

Getting Started

The first step is to contact the CHIP Administrator to provide answer a few pre-qualifying questions. You will then be asked to schedule an appointment to review the application materials.

By providing an application, you will be agreeing to abide by the program’s rules and give permission for the CHIP program to confirm your information. You may also need to provide bank statements, mortgage payment histories, and proof of income in addition to social security cards and/or drivers licenses.

The City of Wooster and Wayne County (with Orrville and Rittman) each have a Project Review Committee that will then review and rank all applications. (Note: Funding decisions are made solely by the Partnership and not WMHA.) Home Repair projects are awarded as long as funding allows. A myriad of rules govern which projects may be funded, including the applicant's household income, severity of safety and health issue being corrected, and the current market value of the property. Unfortunately, while best efforts will be made to assist applicants, not every applicant will receive assistance. Early and complete applications are encouraged.

Private Rehabilitation, Homeownership Assistance, and and Home Repair projects are only available to residents who will continue using their home as their primary residence into the foreseeable future.

Landlords must commit to renting their CHIP-assisted apartment units to low-to-moderate income households for a period of ten years. 

NOTE: CHIP is federally funded through the CDBG (Community Development Block Grant) program and also through HOME funds, both made possible through the Department of Housing and Urban Development, or HUD. A portion of the program is also funded by the Ohio Housing Trust Fund, which is supported by the State of Ohio. Additionally, many CHIP program applicants also make contributions to the program.


For additional information or to start an application, please contact:

Wayne Metropolitan Housing Authority
Consultant for the Wayne County, City of Wooster, and City of Orrville CHIP Partnership


Savings with the Community Reinvestment Area Program

Note: Residents, regardless of income, who own homes in certain older neighborhoods in Doylestown, Orrville, Rittman, or Wooster, may be eligible to receive a tax abatement for rehabilitating their homes as part of the Community Reinvestment Area Program.

For instance, a homeowner making a $20,000 investment adding on to their home may save up to $400 in taxes each year for 10 years in some communities, saving $4,000.

  • For Wooster property owners, please learn about our Residential CRA Program via the link below. You may also reach our Development Coordinator at 330.263.5250
  • For Orrville residents, please contact the City's Planning & Community Development Manager at: 330.263.5250
  • For Doylestown residents, please contact the Village's Housing Officer at: 330.658.2181
  • For Rittman residents, please contact the City's Community Reinvestment specialist at 330.925.2045.
Special Thanks

This program is made possible by:

City of Wooster

Wayne County

City of Orrville

City of Rittman

Wayne Metropolitan Housing Authority

Ohio Development Services Agency

Ohio Housing Trust Fund

Department of Housing and Urban Development

The Partnership thanks the many communities, volunteers, governments, agencies, and NGOs that assisted to create the program. Additional thanks is extended to Community Action Wayne/Medina, which has generously volunteered in sharing its resources to support certain CHIP projects, the Wayne County Housing Coalition for its time and counsel, and to the many area landlords who contributed to the program. 

City of Wooster Development

To learn more about other programs and opportunities for residents and businesses in the City of Wooster, please return to our Development page via the link below.

Department Contacts

Tanya Sargeant

CHIP Administrator 

(330) 264-2727