The Welcome Home Program

Smart Steps Before You Buy

Get your finances ready before you shop for a home. Review your credit and know your budget. TopMark Federal Credit Union offers free home loan consultations to help you plan your next steps. Schedule your consultation today and move closer to owning your dream home.
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Welcome Home Program

TopMark Federal Credit Union’s Welcome Home Program (WHP) helps low- and moderate-income homebuyers make their dream of homeownership a reality. The program provides grants to cover reasonable down payment and closing costs when purchasing an owner-occupied home, up to $20,000 per eligible homebuyer.

How It Works
Welcome Home Program funds are reserved for approved homebuyers purchasing designated homes. To qualify, you must first apply for and be approved for a home loan with TopMark. Once approved, funds are reserved on a first-come, first-served basis.

Program Availability
Funds can be reserved starting April 6, 2026, and will remain available until fully reserved. You do not need to be a first-time homebuyer to participate.

Get Started Today
For more information, contact Ana Petre at 419-645-3108 or APetre@topmarkfcu.com.

Take advantage of the Welcome Home Program and take the first step toward owning your dream home!

NMLS #916043

 

Apply Online

 Loan Options

County Income Limits   (2026 Figures)

County

1-2 Persons

3+ Persons

Allen

$ 77,120

$ 88,688

Auglaize

$ 81,840

$ 94,116

Hancock

$ 77,120

$ 88,688

Hardin

$ 77,120

$ 88,688

Mercer

$ 86,850

$ 99,544

Putnam

$ 86,320

$ 99,268

Van Wert

 $ 77,120 $ 88,688

Welcome Home Grant Facts

  • $ 20,000 to use toward your down payment and/or closing costs.
  • You can use this for your down payment. Whatever funds are left over can be used to go toward closing costs and prepaid expenses.
  • You can use these funds even when the sellers are paying your closing costs for you.
    We simply apply the remaining funds to pay down the principal balance of your loan.
  • You can use these funds even if you have a down payment of your own.

Credit Scores

While you do not have to maintain a certain credit score to qualify for Welcome Home Funds, you must be approved for a mortgage loan. This usually requires at least a 620 credit score.

Stipulations

  • You have to use at least $500 of your own money in the transaction. For example, if you’ve already put down $500 in earnest money for your home purchase, that is all you need.
  • You have to live in the home for at least 5 years. If you don’t, when you sell your home at a profit, Welcome Home will prorate the funds you have to pay back.
  • You have to obtain home buyers counseling only if you are a first-time homebuyer — this is FREE with the Credit Union and can be done in our office or at home. This online course requires some reading and a small quiz. Once complete, you will get a certification to print and file.
  • Your earnings must fall below median income guidelines - total household income.
  • You do NOT have to be a first-time home buyer.
  • You cannot own 2 homes at once. However, if you are doing a simultaneous closing you CAN qualify for the grant funds. You cannot keep your old home and buy a new one.
  • Retention language must be added to the warranty deed explaining the five-year retention period.
  • More information from the Federal Home Loan Bank of Cincinnati can be found at https://www.fhlbcin.com/housing-programs/welcome-home-program/

 

* TopMark is pleased to offer the Welcome Home Program through the Federal Home Loan Bank of Cincinnati.
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. If you live, work, or attend school in Allen or Auglaize County you can open an account!  

TopMark NMLS #493620