Silent second
NEST Egg Homebuyers Assistance
Income limits · Single Family
Down payment assistance · Hamilton County
Buying a home in Cincinnati, OH
6 Cincinnati programs and 7 statewide.Cincinnati has 6 programs of its own, and 7 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Cincinnati addresses
Cincinnati’s own programs
Forgivable loan
City of Cincinnati American Dream Downpayment Initiative (ADDI)
First-time homebuyers · Income limits
Deferred second loan
Down Payment Assistance
First-time homebuyers · Income limits · Single-family detached, condo, townhouse, 1-4 unit owner-occupied
Down-payment assistance
Habitat for Humanity of Greater Cincinnati Affordable Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
Deferred second loan
The American Dream Down Payment Initiative (ADDI)
First-time homebuyers · Income limits · Single-family detached, condo, townhouse, 1-4 unit (owner-occupied)
Down-payment assistance
Working In Neighborhoods (WIN) Affordable Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
The Cincinnati marketThe Cincinnati housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Cincinnati
- 38.3% single-familysingle-family
- 4.9% townhousetownhouse
- 20.2% 2–4 units2–4 units
- 36.1% 5+ unitscondo & apartment buildings (5+ units)
- 0.4% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Cincinnati’s homes were built
pre-19401970s2020+
79.9%
of Cincinnati homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$109,900
County area median income, 4 people (HUD)HUD area median income, Hamilton County, 4-person household (2026)
$52,909
Cincinnati median household incomeMedian household income in Cincinnati (Census, 2024)
15 of the 75 programs here set their income limit as a share of Hamilton County’s area median income, adjusted for household size. See the published limits for Hamilton County
Free help nearbyFree help near Cincinnati
7 HUD-approved counseling agencies within 15 miles7 HUD-approved housing counseling agencies within 15 miles
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.4 of the 6 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Ohio and nationwide
69 statewide & federal programs7 statewide programs, plus federal options
Cincinnati questions
Does Cincinnati have its own down payment program?
Yes, 6: NEST Egg Homebuyers Assistance, City of Cincinnati American Dream Downpayment Initiative (ADDI), Down Payment Assistance, Habitat for Humanity of Greater Cincinnati Affordable Homeownership Program, The American Dream Down Payment Initiative (ADDI) and Working In Neighborhoods (WIN) Affordable Homeownership Program. Each is for homes inside Cincinnati.
Can I use assistance on a condo in Cincinnati?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Hamilton County?
Each program sets its own. 15 of the programs here set theirs as a share of HUD’s area median income for Hamilton County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Cincinnati?
HUD-approved housing counseling agencies teach homebuyer classes, and 7 agencies are within 15 miles of Cincinnati. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
45201 · 45202 · 45203 · 45204 · 45205 · 45206 · 45207 · 45208 · 45209 · 45210 · 45211 · 45212 · 45213 · 45214 · 45215 · 45216 · 45217 · 45218 · 45219 · 45220 · 45221 · 45222 · 45223 · 45224 · 45225 · 45226 · 45227 · 45228 · 45229 · 45230 · 45231 · 45232 · 45233 · 45234 · 45235 · 45236 · 45237 · 45238 · 45239 · 45240 · 45241 · 45242 · 45243 · 45244 · 45245 · 45246 · 45247 · 45248 · 45249 · 45250 · 45251 · 45252 · 45253 · 45254 · 45255 · 45258 · 45262 · 45263 · 45264 · 45267 · 45268 · 45269 · 45270 · 45271 · 45273 · 45274 · 45275 · 45277 · 45280 · 45296 · 45298 · 45299 · 45944 · 45999
Nearby in Hamilton
Sources
Sources: agency sites (June–August 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.