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The Federal Home Loan Bank has established a set-aside of Affordable Housing Program funds to help create homeownership though a program called WELCOME HOME. 

WELCOME HOME GRANT funds are limited to $5,000 per household.

Due to the demand, these funds go quickly and can only be reserved on a “first-come, first-served” basis.

In order to receive Welcome Home funding, homebuyers must meet all of the requirements as set forth by The Federal Home Loan Bank of Cincinnati.


  • Homebuyer eligibility and funding has household income limitations and is adjusted by the number of people residing in the home.

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

  • First-time homebuyers must complete a homebuyer counseling program

  • Welcome Home is not intended for purchases requiring significant repair or Rehabilitation Retention Requirements

Reserve your $5,000.00 now!

Funds are only available for a limited time
and reserved on a FIRST COME –FIRST SERVED basis.

Funds can be used with many different loan programs. 

Funds can be used for down payment, closing costs and other transaction costs.


There is qualifying criteria, please contact our Mortgage Consultants for more details.


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Always a positive and friendly experience. Very, very extremely pleased with everything! – Sarah P.
My loan officer could not have been any more helpful. He was awesome to deal with. – Eric W.
A great experience all around. We trust Cincinnati Federal to make our needs and our satisfaction a priority.– Neal S.
Quick and amazing. My loan officer and his supervisor made it happen and we couldn’t be happier. I will definitely recommend CF to anyone I know. – Brandon K.
My loan officer was head and shoulders above the loan officers I talked to at various local banks and S & L’s while I was shopping for the best rates. He was unfailingly professional, always available to answer questions and was a pleasure to work with. – Richard Y.
My loan officer was excellent to work with. He answered every question I had and was always available when needed. – Andrew W.
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My loan officer was perhaps the most helpful and professional person I have ever dealt with in finance. –Kevin C.
My loan officer was superb! The service from him, Joe Bunke, and the entire staff had me telling others to come to Cincinnati Federal! Best experience ever! – Steven G.
Wish we would have moved our mortgage to Cincinnati Federal sooner! – Jennifer P.
Thank you for listening to us and treating us uniquely, not like a number. – Carol B.