City of Cincinnati American Dream Downpayment Initiative (ADDI)
Forgivable loan · Forgiven over 5 yrs · Income limits
Down payment assistance · Hamilton County
Buying a home in Covedale, OH
2 county programs and 7 statewide.Covedale has no program of its own, 2 across Hamilton 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 Covedale
No program of Covedale’s own yet
No program run for Covedale alone is listed. A home in Covedale can use Hamilton County’s programs below, plus the Ohio statewide and federal ones.
The closest city that runs its own program is Cincinnati, about 5 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in HamiltonAnywhere in Hamilton County
2 county programs2 county programs a Covedale homebuyer can use
4 more programs are for homes in Cincinnati. See them 4 programs in neighboring cities — for homes inside those cities, not Covedale
- Cincinnati — NEST Egg Homebuyers Assistance
- Cincinnati — Down Payment Assistance
- Cincinnati — The American Dream Down Payment Initiative (ADDI)
- Cincinnati — Working In Neighborhoods (WIN) Affordable Homeownership Program
The Covedale marketThe Covedale housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Covedale
- 95.4% single-familysingle-family
- 1.1% townhousetownhouse
- 2.3% 2–4 units2–4 units
- 1.2% 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 Covedale’s homes were built
pre-19401970s2020+
89.8%
of Covedale 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)
$90,694
Covedale median household incomeMedian household income in Covedale (Census, 2024)
12 of the 71 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 Covedale
7 HUD-approved counseling agencies within 15 miles7 HUD-approved housing counseling agencies within 15 miles
Covedale’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Habitat for Humanity of Greater Cincinnati Affordable Homeownership Program asks 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
Covedale questions
Does Covedale have its own down payment program?
No program run for Covedale alone is listed. A home in Covedale can use the 2 programs that cover Hamilton County and the 7 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Covedale?
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. 12 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 Covedale?
HUD-approved housing counseling agencies teach homebuyer classes, and 7 agencies are within 15 miles of Covedale. Create a free account and take the 90-second match to see the ones near you.
Nearby in Hamilton
Sources
Sources: agency sites (June–July 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–July 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.