Up to $25,000Toledo · Lucas County
Toledo Police Next Door (TPND)
Silent second
Names: first responders
See details →Programs by situationPrograms by situation · Ohio
Down payment assistance for first responders in Ohio
5 programs name first responders: 1 city, 4 statewide.5 programs in Ohio name first responders among the groups they serve: 1 run by a city and 4 open statewide.
Naming a group is one eligibility rule among several. Each program also sets an income limit, a price cap, an occupancy rule and a credit requirement. Being a first responder puts a program on this list; it does not decide whether you can use it.Each program below also sets its own income limit, purchase price cap, occupancy rule and credit requirement. Being a first responder gets a program onto this list; it does not decide whether you can use it.
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The 5 programs, closest first
From one city out to the whole state
Listed A–Z within each group, not ranked.A city program covers homes inside that city; a county or regional program, homes in its area; a statewide program, an eligible home anywhere in Ohio. Listed A–Z within each group, not ranked.
In a Ohio city 1 program
For homes inside that city’s limits onlyAnywhere in Ohio 4 programs
Can sit alongside a city or county program where both allow itForgivable
Grants for Grads
Forgivable loan · First-time homebuyers
Names: veterans, active-duty service members, reservists, surviving spouses, teachers, first responders and healthcare workers · Homebuyer class required
See details →Deferred
Next Home Down Payment Assistance program
Deferred second loan
Names: veterans, active-duty service members, reservists, surviving spouses, teachers, first responders and healthcare workers · Homebuyer class required
See details →Deferred
OHFA Down Payment Assistance
Deferred second loan · First-time homebuyers
Names: veterans, active-duty service members, reservists, surviving spouses, teachers, first responders and healthcare workers · Homebuyer class required
See details →Deferred
Ohio Heroes Down Payment Assistance Program
Deferred second loan · First-time homebuyers
Names: veterans, active-duty service members, reservists, surviving spouses, teachers, first responders and healthcare workers · Homebuyer class required
See details →Nationwide 2 programs · not in the 5
Nationwide: 2 more, not in the 52 nationwide programs that also name first responders, each with its own area and eligibility rules
What to know
What the 5 records say
From each program’s own record. The agency decides who can use it.Counted from each program’s own record. A program’s agency decides who can use it.
- 4 of 5
ask for a homebuyer education class.
- 3 of 5
are limited to first-time homebuyers, as each program defines it.
- 4 of 5
name an FHA, VA, USDA or conventional loan they can be paired with.
Free help in OhioFree help in Ohio
59 HUD-approved counseling agencies in Ohio59 HUD-approved housing counseling agencies in Ohio
4 of 5 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through every rule a program sets.4 of 5 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through every rule a program sets, including the ones that have nothing to do with being a first responder. Create a free account to see who’s near you.
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More of Ohio’s programs
Questions, answered
Does being a first responder mean I can use these programs?
No. These programs name first responders in their eligibility rules, which is why they are grouped here, but every program also sets income limits, purchase price caps, credit and occupancy requirements. Membership in a group is one rule among several.
Why are nationwide programs listed separately?
A nationwide program is not one of Ohio’s own, so it is listed below the 5 Ohio programs and not counted in them. Each one sets its own area and eligibility rules; its page has the details.
Is Hey Prescott a lender?
No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.
Programs and counts: Hey Prescott program records, each verified with its administering agency (July–August 2026). Counselors: HUD housing counseling agency list. Hey Prescott is not a lender.