Ohio program
Ohio route through Ohio Housing Finance Agency (OHFA). Use this page to confirm the core public facts first, then decide whether you need deeper comparison output and lender-call prep.
Decision-ready public facts
Quick answer from published facts. Go to Ohio program hub
3% of the home's purchase price for conventional loans or 3.5% of the home's purchase price for government loans (FHA, VA, USDA).
Forgivable down payment assistance
Assistance is forgiven after seven years; if the home is sold within seven years, all assistance provided must be repaid.
Unknown
Program guide
Use the public facts first. Open the official source when a detail affects eligibility, repayment, or lender choice.
First-time homebuyers, Honorably discharged veterans, Buyers purchasing in a target area
3% of the home's purchase price for conventional loans or 3.5% of the home's purchase price for government loans (FHA, VA, USDA).
Assistance is forgiven after seven years; if the home is sold within seven years, all assistance provided must be repaid.
Apply through an OHFA-approved lender, credit union, or mortgage company.
OHFA pairs its first-time homebuyer mortgage with forgivable down payment assistance worth 3% to 3.5% of purchase price through approved lenders statewide.
2026-04-19
2025-07-01
Paid preview
See the shape of the comparison output, risk checks, lender questions, and next-step checklist before you decide whether this program is worth carrying into the paid layer.
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Comparison preview
Amount: 3% of the home's purchase price for conventional loans or 3.5% of the home's purchase price for government loans (FHA, VA, USDA).
Repayment: Assistance is forgiven after seven years; if the home is sold within seven years, all assistance provided must be repaid.
First-time buyer: Unknown
Risk checks preview
Lender questions preview
Action checklist preview
Paid research preview
Paid research already tracks city and county programs, specialty and conditional paths for Ohio.
These are not generic promises. They are the local, employer, public-employee, and specialty directions already sitting behind the paid layer.
Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.
1 tracked
City and county down payment or closing-cost programs that never make it into the free statewide layer.
2 tracked
Conditional, paused, or specialty paths worth checking before you assume the state is a dead end.
Private workspace
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If the public facts still look relevant, paid access is where you decide whether this path is stronger than your fallback.
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Decision output
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