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Welcome Home Program

  • Home buyer MUST contribute at least $500 of their own funds into the transaction.  This can be earnest money, appraisal payment up front, closing costs, prepaids, etc. (60% of these funds or $300 can be received as a gift) 
  • If a First Time Home buyer – Home ownership counseling is required and proof of completion must be submitted. 
  • FHLB considers “First Time Home buyers” to be home buyers that have not owned a home in the last 3 years.   
  • 5 year retention period.  Verbiage is included in the deed. 
  • Cash back is not permitted 
  • $7,500 limit to honorably discharged veterans or active duty military
  • $5,000 limit to all other homebuyers


Household Income limits apply. Please see below:

Butler County:  

  • $61,120 for 1-2 Persons 
  • $70,224 for 3+ Persons

Warren County:

  • $50,160 for 1-2 Persons
  • $57,684 for 3+ Persons