City of Kettering First-Time Homebuyer Assistance Program
Forgivable loan · Income limits
Down payment assistance · Montgomery County
Buying a home in Clayton, OH
2 county programs and 7 statewide.Clayton has no program of its own, 2 across Montgomery County, 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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What’s local to Clayton
No program of Clayton’s own yet
No program run for Clayton alone is listed. A home in Clayton can use Montgomery County’s programs below, plus the Ohio statewide and federal ones.
The closest city that runs its own program is Dayton, about 11 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in MontgomeryAnywhere in Montgomery County
2 county programs2 county programs a Clayton homebuyer can use
3 more programs are for homes in Dayton. See them 3 programs in neighboring cities — for homes inside those cities, not Clayton
The Clayton marketThe Clayton housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Clayton
- 82.8% single-familysingle-family
- 5.2% townhousetownhouse
- 3% 2–4 units2–4 units
- 9.1% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Clayton’s homes were built
pre-19401970s2020+
70.8%
of Clayton 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.
$103,000
County area median income, 4 people (HUD)HUD area median income, Montgomery County, 4-person household (2026)
$92,879
Clayton median household incomeMedian household income in Clayton (Census, 2024)
12 of the 71 programs here set their income limit as a share of Montgomery County’s area median income, adjusted for household size. See the published limits for Montgomery County
Free help nearbyFree help near Clayton
5 HUD-approved counseling agencies within 15 miles5 HUD-approved housing counseling agencies within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 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
Clayton questions
Does Clayton have its own down payment program?
No program run for Clayton alone is listed. A home in Clayton can use the 2 programs that cover Montgomery County and the 7 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Clayton?
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 Montgomery County?
Each program sets its own. 12 of the programs here set theirs as a share of HUD’s area median income for Montgomery 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 Clayton?
HUD-approved housing counseling agencies teach homebuyer classes, and 5 agencies are within 15 miles of Clayton. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
45315
Nearby in Montgomery
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.