Forgivable loan
City of Kettering First-Time Homebuyer Assistance Program
First-time homebuyers · Income limits
Down payment assistance · Montgomery County
Buying a home in Kettering, OH
1 Kettering program, 1 county program and 7 statewide.Kettering has 1 program 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 Kettering addresses
Kettering’s own program
Anywhere in MontgomeryAnywhere in Montgomery County
1 county program1 county program a Kettering homebuyer can also use
3 more programs are for homes in Dayton. See them 3 programs in neighboring cities — for homes inside those cities, not Kettering
The Kettering marketThe Kettering housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Kettering
- 68.7% single-familysingle-family
- 4.6% townhousetownhouse
- 12.4% 2–4 units2–4 units
- 13.9% 5+ unitscondo & apartment buildings (5+ units)
- 0.4% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Kettering’s homes were built
pre-19401970s2020+
85.5%
of Kettering 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)
$74,681
Kettering median household incomeMedian household income in Kettering (Census, 2024)
12 of the 71 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 Kettering
6 HUD-approved counseling agencies within 15 miles6 HUD-approved housing counseling agencies within 15 miles
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.
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Across Ohio and nationwide
69 statewide & federal programs7 statewide programs, plus federal options
Kettering questions
Does Kettering have its own down payment program?
Yes, one: City of Kettering First-Time Homebuyer Assistance Program, a forgivable loan for first-time homebuyers (income limits). It is for homes inside Kettering.
Can I use assistance on a condo in Kettering?
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. 12 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 Kettering?
HUD-approved housing counseling agencies teach homebuyer classes, and 6 agencies are within 15 miles of Kettering. Create a free account and take the 90-second match to see the ones near you.
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.