Forgivable loan
Butler County / City of Hamilton / City of Middletown Down Payment and Closing Cost Assistance Program (NHS of Hamilton)
Income limits
Down payment assistance · Butler County
Buying a home in Hamilton, OH
2 Hamilton programs, 1 county program and 7 statewide.Hamilton has 2 programs of its own, 1 more across Butler 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 Hamilton addresses
Hamilton’s own programs
Deferred second loan
Grants-Down Payment/Closing Cost Assistance
First-time homebuyers · Income limits · Single-family detached, condo, townhouse, 1-2 unit owner-occupied
Anywhere in ButlerAnywhere in Butler County
1 county program1 county program a Hamilton homebuyer can also use
1 more program is for homes in Middletown. See them 1 program in neighboring cities — for homes inside those cities, not Hamilton
- Middletown — Homebuyer Down Payment Assistance Program
The Hamilton marketThe Hamilton housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Hamilton
- 69.1% single-familysingle-family
- 3.8% townhousetownhouse
- 11.5% 2–4 units2–4 units
- 14.7% 5+ unitscondo & apartment buildings (5+ units)
- 0.8% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Hamilton’s homes were built
pre-19401970s2020+
77.9%
of Hamilton 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, Butler County, 4-person household (2026)
$55,166
Hamilton median household incomeMedian household income in Hamilton (Census, 2024)
13 of the 72 programs here set their income limit as a share of Butler County’s area median income, adjusted for household size. See the published limits for Butler County
Free help nearbyFree help near Hamilton
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 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
Hamilton questions
Does Hamilton have its own down payment program?
Yes, 2: Butler County / City of Hamilton / City of Middletown Down Payment and Closing Cost Assistance Program (NHS of Hamilton) and Grants-Down Payment/Closing Cost Assistance. Each is for homes inside Hamilton.
Can I use assistance on a condo in Hamilton?
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 Butler County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Butler 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 Hamilton?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Hamilton. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
45011 · 45012 · 45013 · 45015 · 45020 · 45023 · 45025 · 45026
Nearby in Butler
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.