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Welcome Home

With the Citizens National Bank's Welcome Home Program you may be eligible for up to $5,000 in grant money toward the purchase of your new home! View the mortgage revenue bond income limits for each county.

welcome home program

Uses of Funds
Welcome Home grants are used to fund reasonable down payments 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 $5,000 per homebuyer. All funds are reserved for specific homebuyers purchasing specific homes and cannot be transferred to other homebuyers or to other homes.

Homebuyers must contribute at least $500 of their own funds toward down payment and closing costs (60% of these funds may be received as a gift).

Applicants do not have to be first-time homebuyers. However, all first-time homebuyers must complete a homebuyer counseling program. The counseling program must be provided by, or based on one provided by, an organization recognized as experienced in homeownership counseling. The counseling program must cover, at a minimum, mortgage financing, credit-worthiness, household budgeting, and home maintenance. Welcome Home funds may be used to pay up to $300 of the costs provided they are not covered by another funding source.

For complete requirements visit

*Contact a Mortgage Loan Originator for more details. Program offered through Federal Home Loan Bank of Cincinnati.

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