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Mortgage Assistance Program


In response to the economic impact of the COVID-19 pandemic, YNDC is providing mortgage payment assistance to eligible Youngstown residents who lost employment income on or after March 14, 2020 as a result of the COVID-19 outbreak. Call YNDC at 330.480.0423 to apply.

Program Guidelines

  • YNDC will pay monthly mortgage (PITI) payments on each client’s behalf for up to 6 months, not to exceed $3000 total per client over the 6 month period
  • Property must be located in the City of Youngstown
  • Property must be mortgagor’s primary residence
  • Household income must be at or below 120% of the area median income 
  • Household must have lost employment income on or after March 14, 2020 as a result of the COVID-19 outbreak 
  • Housing costs must exceed 30% of current household income
  • Mortgage cannot be government-backed (FHA, VA, USDA, Fannie Mae, Freddie Mac, and Ginnie Mae mortgages are NOT eligible)
  • Mortgage payments must be current up to March 14, 2020
  • Clients must enroll in YNDC’s HUD-Approved Housing Counseling program and meet with one of YNDC’s HUD-Certified Housing Counselors monthly for as long as they are receiving assistance. Counseling sessions are currently being completed over the phone
  • Client must provide the following documentation in addition to completing the Housing Counseling program application:

  • Income Verification
  • All occupants over the age of 18 will need to provide some kind of income verification, including copies of 3 most recent consecutive paystubs from current or most recent employer if employed or a copy of statement of benefits if on disability, social security, or some other government-funded income source, as well as 2019 tax returns.
  • Proof of Ownership
  • Owner must provide a copy of the deed.
  • Proof of Primary Residence
  • Owner must provide a copy of a recent utility bill (gas, electric, or water).
  • Mortgage
  • Owner must provide a copy of the mortgage.
  • Mortgage Statement
  • Owner must provide a copy of the last mortgage statement or other documentation showing mortgage was current as of March 14, 2020.