The 2025 Welcome Home Program is closed. Please call 888-345-2246 with any questions.

This is only a brief overview of the Welcome Home Program. Complete details, limits, requirements, definitions, and guidelines are contained in the 2025 AHP Implementation Plan and in the 2025 Welcome Home Guide.

What is the Welcome Home Program?

The Welcome Home Program offers grants to fund reasonable down payment and closing costs incurred in conjunction with the acquisition or construction of owner-occupied housing by low- and moderate-income homebuyers. The grants are limited to a minimum of $10,000 and up to a maximum of $20,000 for all homebuyers. Members are subject to an aggregate limit of $600,000 per calendar year. All funds are reserved for specific homebuyers purchasing specific homes and cannot be transferred to other homebuyers or to other homes.

Who can use Welcome Home?

The FHLB has established a set-aside of Affordable Housing Program (AHP) funds to help create homeownership. These funds are available to members as grants to assist their mortgage loan applicants in the home buying process. This is our most widely used program, ideally suited to the needs of community lenders and their customers. 

How do I apply?

Members may reserve funds via the Welcome Home Program link through the FHLB’s Members Only portal by submitting an online Reservation Request with supporting documentation. Instructions for accessing Members Only may be found under Program Documents and Forms.

Additional information and technical assistance

For more information or assistance, please contact the Housing & Community Investment Department at (888) 345-2246 or email us at welcomehome@fhlbcin.com.

For assistance with Members Only, please contact the Service Desk at (800) 781-3090.

Welcome Home Program Resources