Down payment assistance · Ohio

Buying a home in Ohio

74 programs: 7 statewide, the rest run by counties and 18 cities. What you can use depends on where the home is.74 programs across Ohio: 7 statewide, the rest run by counties and 18 cities. What you can use depends on where the home is.

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Start with your county

Local help, prices and income limits differ county to county

County	Local programs	Median home value	Area median income (4 people)	Link
Cuyahoga	11	$195,400	$105,000	See Cuyahoga
Franklin	7	$288,400	$111,500	See Franklin
Hamilton	6	$241,900	$109,900	See Hamilton
Montgomery	5	$180,900	$103,000	See Montgomery
All 88 counties

Home values: Census ACS 2024 5-year. Income: HUD FY2026. Programs: Hey Prescott, verified June–July 2026.

Anywhere in Ohio

7 statewide programs

Up to $20,000

FHLB Cincinnati Welcome Home Program

Assistance grant · Forgiven over 5 yrs · Income limits

See details

Up to $2,000

OHFA Mortgage Tax Credit (MTC)

Mortgage credit certificate · New construction · Income limits · First-time

See details

Grant

Communities First - Down Payment Assistance Program

Assistance grant · New construction · Income limits · Veterans

See details

Plus 62 nationwide programs. See them See nationwide programs

Free help from a person

59 HUD-approved counseling agencies in Ohio59 HUD-approved housing counseling agencies in Ohio

6 of the 7 statewide programs ask for a homebuyer class first. Create a free account to see who’s near you.6 of the 7 statewide programs ask for a homebuyer class first. Create a free account, take the 90-second match, and we’ll show the counselors near you.

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Free account → 90-second match → your counselors

Income limitsIncome limits and price caps in OhioArea median income for all 88 counties, and the limit each program sets.See the limits

Ohio questions

What is FHLB Cincinnati Welcome Home Program?

FHLB Cincinnati Welcome Home Program, a assistance grant (forgiven over 5 yrs, income limits), open anywhere in Ohio and run by Federal Home Loan Bank of Cincinnati (Housing & Community Investment). Its page has the details and a link to the official site.

Which Ohio counties run their own programs?

25 counties of 88 have a county or city program listed, among them Cuyahoga, Franklin, Hamilton and Montgomery. The table above lists them, and each county page has its own programs.

Do I need a homebuyer class in Ohio?

Many programs ask for one. 6 of the 7 statewide programs list a homebuyer education requirement. HUD-approved housing counseling agencies teach them, often for free.

Can I use assistance on a Ohio condo?

7 of the 7 statewide programs list condos as eligible. Each program’s page lists the kinds of homes it accepts.