Funding and Underwriting Homeowner Activities

Wednesday, September 23, 2026 - 8:00am

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Funding and Underwriting Homeowner Activities Training
Wednesday, September 23, 2026
The Quest Center
9200 Worthington Road, Suite 400
Westerville, OH  43082

Hotel Reservations can be made at The Hyatt Place (a short drive to The Quest Center):  Reservation Link

Funding and Underwriting Homeowner Activities 

ICF, through its partner, OCCD is pleased to provide this session on how best to underwrite two popular homeownership activities – homebuyer downpayment assistance and homeowner rehabilitation. This course will cover the HOME and CDBG program requirements and basics of financial underwriting for transactions with borrowers, how to determine the amount of assistance, financing terms, affordability period considerations, and finally, HOME homebuyer resale and recapture requirements. The session will be presented by a team of two trainers, providing interactive elements, and including time for questions. 

Agenda

September 23, 2026 - 9:00 AM

1. Welcome to the training

2. Framing out homeowner activity underwriting in Federal entitlements and Ohio Department of Development's CHIP Program
    a. Owner-Occupied Housing Rehabilitation
    b. Homebuyer Assistance

3. Basics of financial underwriting
    a. Purpose
    b. Scope
    c. Relevant Information, Documentation including Guidelines
    d. Methodology
    e. Variability Based on Program Type and Administration Approach (i.e. direct vs through other entity)

4. Determine amount of assistance
    a. Homeowner Need
    b. Available Funding
    c. Relevant Standards

Lunch 
Afternoon, start at 1pm

5. Financing terms and options
    a. Loan Types and Terms
    b. Grants
    c. General Pros, Cons

6. Affordability period
    a. Owner-Occupied Housing Rehabilitation (optional)
    b. Homebuyer Assistance (required for HOME-assisted housing)

7. Mortgages, notes, written agreements, restrictive covenant and other documentation
    a. Financing docs
    b. Grant program requirement docs

8. HOME homebuyer resale and recapture (must choose one option; reflect in Consolidated Plan)
    a. Resale
        i. Amount subject to resale
        ii. Resale options and impacts on underwriting
    b. Recapture
        i. Amount subject to recapture
        ii. Recapture options and impacts on underwriting

9. Resources and Tools

10. Conclusion

End by 4:30pm

Payment is required prior to training event.

Register Now!