Forgivable loan
Southwest Dayton Down Payment Assistance Program
First-time homebuyers · Income limits · Single Family · 2-4 Unit · Condo
Down payment assistance · Montgomery County
Buying a home in Dayton, OH
4 Dayton programs, 1 county program and 7 statewide.Dayton has 4 programs of its own, 1 more 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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Only for Dayton addresses
Dayton’s own programs
Deferred second loan
CityWide Northwest/West Dayton Down Payment Assistance
First-time homebuyers · New construction · Income limits · Single Family
Deferred second loan
City of Dayton Down Payment Assistance Program
First-time homebuyers · Income limits · Single-family detached, condo, townhouse, 1-2 unit owner-occupied
Down-payment assistance
Habitat for Humanity of Greater Dayton Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
Anywhere in MontgomeryAnywhere in Montgomery County
1 county program1 county program a Dayton homebuyer can also use
The Dayton marketThe Dayton housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Dayton
- 63.8% single-familysingle-family
- 6.9% townhousetownhouse
- 9.2% 2–4 units2–4 units
- 19.1% 5+ unitscondo & apartment buildings (5+ units)
- 1% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Dayton’s homes were built
pre-19401970s2020+
85.4%
of Dayton 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)
$45,247
Dayton median household incomeMedian household income in Dayton (Census, 2024)
13 of the 74 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 Dayton
6 HUD-approved counseling agencies within 15 miles6 HUD-approved housing counseling agencies within 15 miles
5 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 5 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
Dayton questions
Does Dayton have its own down payment program?
Yes, 4: Southwest Dayton Down Payment Assistance Program, CityWide Northwest/West Dayton Down Payment Assistance, City of Dayton Down Payment Assistance Program and Habitat for Humanity of Greater Dayton Homeownership Program. Each is for homes inside Dayton.
Can I use assistance on a condo in Dayton?
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. 13 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 Dayton?
HUD-approved housing counseling agencies teach homebuyer classes, and 6 agencies are within 15 miles of Dayton. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
45401 · 45402 · 45403 · 45404 · 45405 · 45406 · 45407 · 45408 · 45409 · 45410 · 45412 · 45413 · 45414 · 45415 · 45416 · 45417 · 45418 · 45419 · 45420 · 45422 · 45423 · 45424 · 45426 · 45427 · 45428 · 45429 · 45430 · 45431 · 45432 · 45433 · 45434 · 45435 · 45437 · 45439 · 45440 · 45441 · 45448 · 45449 · 45454 · 45458 · 45459 · 45463 · 45469 · 45470 · 45475 · 45479 · 45481 · 45482 · 45490
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.