Clark County / New Carlisle CHIP Homeownership Assistance Program
Forgivable loan · Income limit 80% of AMI
Single Family, Townhouse, Condo, Manufactured, Modular
See details Aug 2026
Down payment assistance · Ohio
Buying a home in Clark County, OH
2 county-wide programs, plus 7 statewide and 62 nationwide.Clark has 2 programs that cover the whole county. On top of those, 7 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in ClarkAnywhere in Clark County
2 programs for every Clark address2 programs that cover every Clark address
All 2 ask for a homebuyer class.These are run for the whole county, so a home in Springfield, Northridge or New Carlisle can use them. All 2 ask for a homebuyer class.
City of Springfield Down Payment Assistance Program
Forgivable loan · Forgiven over 10 yrs · Income limit 80% of AMI
See details Jul 2026
AMI is HUD’s area median income for Clark, adjusted for household size. Each program publishes its own dollar limits.
The Clark marketThe Clark housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Clark
- 74.7% single-familysingle-family
- 5.9% townhousetownhouse
- 5.6% 2–4 units2–4 units
- 10.2% 5+ unitscondo & apartment buildings (5+ units)
- 3.7% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Clark’s homes were built
pre-19401970s2020+
76.5%
of Clark 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.
$83,700
HUD area median income, 4 people (FY2026)HUD area median income, Clark County, 4-person household (FY2026)
$63,132
Median household income (ACS 2024 5-year)Median household income in Clark (Census ACS 2024 5-year)
69.4%
of occupied homes are owner-occupied (Ohio: 67.2%)
The two income figures measure different things. HUD’s area median income is the one programs use. 12 of the 71 programs here set their income limit as a share of Clark County’s area median income, adjusted for household size. See the published limits for Clark County
Free help in ClarkFree help in Clark
1 HUD-approved counseling agency with an office in the county1 HUD-approved housing counseling agency with an office in Clark County
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.
Find my counselor
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Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Clark County.
10 cities and placesA to Z
All cities in Clark CountyAll 10 cities and places in Clark County
Clark questions
Can I use a county program anywhere in Clark?
The 2 county-wide programs cover homes anywhere in the county. City programs are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Clark County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Clark programs accept condos?
Each program sets which kinds of homes it accepts; the program’s page lists them where the agency publishes them.
Where can I take a homebuyer class in Clark?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency has an office in Clark County. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
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), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.