Are you a first-time homebuyer in Ohio? Explore a variety of programs, including down payment assistance and favorable mortgage options, designed to make homeownership more attainable. Navigate the dynamic real estate market of Ohio with confidence and uncover the unique opportunities that await you in the vibrant cities, charming suburbs, and friendly communities.
State-Wide Programs
Program | Assistance Offered | Who Should Apply | Assistance Type |
---|---|---|---|
Communities First Down Payment Assistance | Up to 5% of the purchase price towards down payment and closing costs | Homebuyers that can meet income requirements | Grant |
Grants for Grads | Up to 5% of the purchase price towards down payment and closing costs | First time homebuyers that have recently graduated an associate's, bachelor's, master's, doctorate degree | Forgiveable loan |
L&NFCU Welcome Home Grant | Up to $7,500 in down payment assistance | Homebuyers that are veterans or active duty military that can meet income requirements | Grant |
Mortgage Tax Credit | Reduces up to $2,000 in mortgage interest that you pay into federal taxes for the life of your loan | First time homebuyers | Tax credit |
Next Home | Up to 2.5% of the purchase price towards down payment and closing costs | Homebuyers that can meet income and credit score requirements | Forgiveable loan |
Your Choice! Down Payment Assistance | Up to 5% of the purchase price towards down payment and closing costs | Homebuyers that can meet income and credit score requirements | Forgiveable loan |
Regional Programs
County/Region | Program | Assistance Offered | Who Should Apply | Assistance Type |
---|---|---|---|---|
Butler | Grants-Down Payment/Closing Cost Assistance | Up to $5,000 in down payment and closing costs assistnace | Homebuyers that can meet income requirements | Forgiveable loan |
Cuyahoga | Down Payment Assistance Program | Up to 17% of the purchase price can bus used for down payment assistance | First time homebuyers that can meet income requirements | Not specified |
Franklin | Down Payment Assistance Program | Up to $6,000 in down payment and closing costs assistnace | First time homebuyers that can meet income requirements | Deferred loan with a 0% interest rate |
Madison | HOMEbuyer Program | Up to $5,000 in down payment and closing costs assistnace | First time homebuyers that can meet income and credit score requirements | Forgiveable loan |
Montgomery | Down Payment Assistance Program | Up to $8,000 in down payment and closing costs assistnace | Homebuyers that can meet income requirements | Second mortgage with a 0% interest rate |
City Programs
City | Program | Assistance Offered | Who Should Apply | Assistance Type |
---|---|---|---|---|
Canton | Canton Down Payment Assistance Program | Up to $5,000 in down payment and closing costs assistance | First time homebuyers that can meet income requirements | Forgiveable loan with a 0% interest rate |
Cincinnati | Communities First - Down Payment Assistance | Up to 5% of the purchase price can be used for down payment assistance | Homebuyers that can meet income and credit score requirements | Grant |
Cincinnati | The American Dream Downpayment Initiative (ADDI) | Up to $5,000 in down payment and closing costs assistance | First time homebuyers buying within the city limits of Cincinnati and can meet income requirements | Deferred loan with a 0% interest rate |
Columbus | American Dream Downpayment Initiative (ADDI) Program | Up to $5,000 in down payment and closing costs assistance | First time homebuyers that can meet income requirements | Deferred, forgiveable loan |
Dayton | Home-Buyer Assistance | Up to 10% of the purchase price can be used for down payment assistance | Homebuyers buying within the city limits of Dayton and that can meet income requirements | Second mortgage with a 0% interest rate |
Hamilton | Grants-Down Payment/Closing Cost Assistance | Up to $5,000 in down payment and closing costs assistance | Homebuyers buying within the city limits of Hamilton and can meet income requirements | Forgiveable loan |
Kettering | Down Payment Assistance Program | Up to $8,000 in down payment and closing costs assistance | First time homebuyers buying within Kettering city limits and that can meet income requirements | Second mortgage with a 0% interest rate |
Lakewood | Lakewood HOME Program | Up to $14,000 in down payment assistance | First time homebuyers that can meet income requirements | Second mortgage with a 0% interest rate |
Massillon | Homebuyers Assistance Program | Up to 7% of the purchase price can be used for down payment assistance | First time homebuyers buying within Massillon city limits and that can meet income requirements | Not specified |
Middletown | NHP Down Payment Assistance | Up to $5,000 in down payment and closing costs assistance | Homebuyers buying within the city limits of Springfield and that can meet income requirements | Grant |
Springfield | Down Payment Assistance Program | Up to $4,000 in down payment and closing costs assistance | Homebuyers that can meet income requirements | Forgiveable loan with a 0% interest rate |
Toledo | Down Payment Assistance | Up to $6,500 in down payment assistance | First time homebuyers buying within Toledo city limits and that can meet income requirements | Grant |
Talk to a local Redfin Agent
Redfin Agents are local experts who can get you better results for lower fees.