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Down payment assistance income limits in Ohio

72 down payment assistance programs in Ohio publish an income limit, a purchase price cap, or both.

Every figure below is the limit the administering agency publishes. Limits are revised as area incomes and local prices move, so confirm current figures with the agency before relying on them.

Area median income by county

HUD's published four-person area median income for each Ohio county. A program that sets its limit at a percentage of area median income applies that percentage to the figure for the county where the home is, adjusted for household size.

HUD four-person area median income by county in Ohio
CountyPublished4-person median
Adams2026$67,200
Allen2026$85,700
Ashland2026$89,900
Ashtabula2026$79,100
Athens2026$88,900
Auglaize2026$105,900
Belmont2026$78,900
Brown2026$85,000
Butler2026$109,900
Carroll2026$90,400
Champaign2026$94,700
Clark2026$83,700
Clermont2026$109,900
Clinton2026$92,900
Columbiana2026$77,900
Coshocton2026$75,300
Crawford2026$76,500
Cuyahoga2026$105,000
Darke2026$87,800
Defiance2026$94,200
Delaware2026$111,500
Erie2026$105,300
Fairfield2026$111,500
Fayette2026$88,100
Franklin2026$111,500
Fulton2026$95,400
Gallia2026$76,400
Geauga2026$105,000
Greene2026$103,000
Guernsey2026$77,100
Hamilton2026$109,900
Hancock2026$105,900
Hardin2026$86,800
Harrison2026$77,600
Henry2026$95,700
Highland2026$81,200
Hocking2026$84,400
Holmes2026$97,100
Huron2026$87,400
Jackson2026$76,100
Jefferson2026$80,600
Knox2026$95,000
Lake2026$105,000
Lawrence2026$83,300
Licking2026$111,500
Logan2026$94,200
Lorain2026$105,000
Lucas2026$95,400
Madison2026$111,500
Mahoning2026$81,900
Marion2026$84,700
Medina2026$105,000
Meigs2026$63,000
Mercer2026$102,400
Miami2026$103,000
Monroe2026$74,900
Montgomery2026$103,000
Morgan2026$73,200
Morrow2026$111,500
Muskingum2026$82,800
Noble2026$94,900
Ottawa2026$102,700
Paulding2026$90,900
Perry2026$87,000
Pickaway2026$111,500
Pike2026$71,600
Portage2026$97,100
Preble2026$90,200
Putnam2026$108,800
Richland2026$92,500
Ross2026$88,600
Sandusky2026$85,300
Scioto2026$84,600
Seneca2026$84,900
Shelby2026$96,000
Stark2026$90,400
Summit2026$97,100
Trumbull2026$81,900
Tuscarawas2026$87,500
Union2026$146,700
Van Wert2026$89,200
Vinton2026$74,000
Warren2026$109,900
Washington2026$85,000
Wayne2026$89,100
Williams2026$81,200
Wood2026$95,400
Wyandot2026$89,600

Published limits by program

Published income limits and purchase price caps by program in Ohio
ProgramIncome limitPrice cap
American Dream Downpayment InitiativeColumbus · Franklin120% of area median incomeIncome at or below 80% Columbus MSA AMI per HUD HOME limits ($86,880-$163,680 by household size for tiered offer)—
At Home In YoungstownYoungstown · MahoningSee programNo income limit (all income restrictions removed September 2024).—
Aultman Area Down Payment AssistanceCanton · StarkSee programDemographic income brackets collected on application; serves low-to-moderate income first-time buyers.—
Butler County / City of Hamilton / City of Middletown Down Payment and Closing Cost Assistance Program (NHS of Hamilton)Hamilton · Butler80% of area median incomeTotal household income at or below 80% of area median income (AMI) per HUD; income from all household members 18+ counted (excluding full-time students). FY2025 HUD HOME income limits for Butler County effective June 1, 2025 (e.g., 1-person $62,650; 4-person $89,450). Total DTI not to exceed 43% (Butler County and Hamilton); City of Middletown housing ratio not to exceed 30% (with documented exceptions up to 43%).$277,000
Butler County Down Payment & Closing Cost Assistance ProgramButler80% of area median incomeTotal household income at or below 80% of Butler County AMI per HUD HOME Program Income Limits (effective June 1, 2025). Income counted from all household members 18+ (excluding full-time students). 4-person 80% limit: $89,450$277,000
Catholic Charities Diocese of Youngstown Homeownership / Down Payment Assistance ProgramYoungstown · Mahoning65% of area median income2026 ODOD grant funds DPA to households at or below 65% AMI across the six-county service area.—
Central Ohio Community Land Trust (COCLT) Homeownership ProgramColumbus · Franklin120% of area median incomeAt/below 120% HUD AMI Central Ohio. HUD 2026: 1p $93,650; 2p $107,100; 3p $120,400; 4p $133,800; 5p $144,550; 6p $155,200; 7p $165,950; 8p $176,650—
CHN Housing Partners Lease Purchase ProgramCleveland · Cuyahoga60% of area median incomeHouseholds at/below 60% AMI; homes rented at 60% AMI for first 15 years; dollar limits not published—
City of Canton Down Payment AssistanceCanton · Stark80% of area median incomeHousehold income at or below 80% Canton MSA AMI: $48,450-$91,350 by household size$273,000
City of Cincinnati American Dream Downpayment Initiative (ADDI)Cincinnati · Hamilton80% of area median incomeHousehold income must not exceed 80% of Area Median Income (AMI). First-time homebuyer required (must not have owned a home in the past 3 years).—
City of Cleveland Heights Down Payment Assistance Loan ProgramCleveland Heights · Cuyahoga80% of area median incomeHousehold gross income at or below HUD guidelines by size: 1 $44,050; 2 $50,350; 3 $56,650; 4 $62,900; 5 $67,950; 6 $73,000 (revised annually). For two-family purchases, potential rental income is added.$131,000
City of Cleveland Mayor's Neighborhood Transformation Initiative (NTI) Down Payment Assistance ProgramCleveland · CuyahogaSee programNo hard income cap published; buyer contribution is tiered to AMI (3% at/below 120% AMI; 5% above 120% AMI).—
City of Columbus American Dream Downpayment Initiative (ADDI) - NED FundColumbus · Franklin120% of area median incomeHousehold income at or below 120% of area median income (AMI) adjusted for household size as determined by HUD for the Columbus MSA. Buyers at or below 30% AMI considered case-by-case. HOME-funded projects must be at or below 80% AMI. Housing expense (PITI) ratio must not exceed 35% and total debt ratio must not exceed 45% (higher considered case-by-case).—
City of Dayton Down Payment Assistance ProgramDayton · Montgomery80% of area median incomeHousehold income at or below 80% Dayton MSA AMI per HUD HOME limits—
City of Euclid First Time Home Buyer Down Payment Assistance Loan ProgramEuclid · Cuyahoga$72,300Maximum household income by size (HUD-based, 24 CFR Part 813): 1=$50,650; 2=$57,850; 3=$65,100; 4=$72,300; 5=$78,100; 6=$83,900; 7=$89,700; 8=$95,450$166,000
City of Kettering First-Time Homebuyer Assistance ProgramKettering · Montgomery80% of area median incomeFollows HUD income guidelines (generally up to 80% AMI); a family of four earning up to $75,050 was cited as potentially qualifying for City housing assistance. Confirm current homebuyer-program limits with the City.—
City of Lorain Down Payment Assistance ProgramLorain · Lorain80% of area median incomeLow-income qualified at or below 80% AMI (HUD/OHFA HOME income limits, set annually; dollar figures not restated in the source).—
City of Mansfield Down Payment Assistance ProgramMansfield · Richland80% of area median incomeHousehold income at or below 80% of Area Median Income (HUD HOME Low Income limit) for the Mansfield, OH MSA. FY2025 HOME 80% limits effective 6/1/2025: 1-person $47,750; 4-person $68,150.—
City of Massillon Down Payment Assistance ProgramMassillon · Stark80% of area median incomeHousehold income at or below 80% of Stark County Area Median Income; 2023 limits ranged from $45,600 (1 person) to $85,950 (8 persons).$160,000
City of Springfield Down Payment Assistance ProgramSpringfield · Clark80% of area median incomeOccupant household income cannot exceed 80% of Area Median Income, determined annually by HUD.—
City of Toledo Home at Last Down Payment AssistanceToledo · Lucas80% of area median incomeIncome maximums set at 80% of HUD area median income; 2026 limits: 1-person $53,450; 2 $61,050; 3 $68,700; 4 $76,300; 5 $82,450; 6 $88,550; 7 $94,650; 8 $100,750—
City of Warren Direct Homebuyer Assistance Program (DPA)Warren · Trumbull80% of area median incomeGross household income at/below 80% HUD AMI, Youngstown-Warren-Boardman MSA. 2024: 1p $53,050; 2p $60,600; 3p $68,200 (table continues)—
CityWide Northwest/West Dayton Down Payment AssistanceDayton · MontgomerySee programNo income limit on the DPA itself; underlying Welcome Home Ohio / Northwest Pathways programs carry their own income-eligibility requirements—
Clark County / New Carlisle CHIP Homeownership Assistance ProgramNew Carlisle · Clark80% of area median incomeAt or below 80% AMI. 2022 Clark County CHIP income limits by household size: 1=$37,150; 2=$42,450; 3=$47,750; 4=$53,050; 5=$57,300; 6=$61,550; 7=$65,800; 8=$70,050 (verify current-year limits).—
Clermont County CHIP Down Payment Assistance (DPA)Clermont80% of area median incomeLow-to-moderate income households not exceeding 80% of area median income (HUD limits, adjusted by household size)$132,000
Columbiana County CHIP Homeownership / Down Payment AssistanceColumbiana80% of area median incomeAt or below 80% AMI (example cited: family of three at or below $39,900). Net assets over $100,000 disqualify.—
Communities First - Down Payment Assistance ProgramStatewide · Statewide140% of area median incomeIncome limits vary by county; typical range $78,200-$113,160 (~140% AMI)—
Coshocton County CHIP Homebuyer AssistanceCoshocton · Coshocton80% of area median income—
Cuyahoga County Down Payment Assistance ProgramCuyahoga80% of area median incomeHousehold income at or below 80% AMI for the Cleveland-Elyria-Mentor MSA. (Dollar table on the CHN brochure is dated 2021 and not current — verify current HUD limits at application.)—
Down Payment AssistanceCincinnati · Hamilton80% of area median incomeHousehold income at or below 80% Cincinnati MSA AMI: $36,700-$110,700$250,000
Down Payment Assistance Loan ProgramEuclid · Cuyahoga120% of area median incomeHousehold income at or below ~120% Cleveland-Elyria MSA AMI: $81,650-$153,950 by household size$281,000
EDCOR First Time Home Buyer Down Payment Assistance Loan ProgramEuclid · Cuyahoga$126,000Federal income limits by household size (2026 Lender Quick Reference Guide): 1=$88,200; 2=$100,800; 3=$113,400; 4=$126,000; 5=$136,080; 6=$146,160; 7=$156,240; 8+=$166,320.$219,000
FHLB Cincinnati Welcome Home ProgramStatewide · Statewide80% of area median incomeTotal household income at or below 80% of the state HFA Mortgage Revenue Bond (MRB) income limits for the property county; county MRB limits published annually by FHLB Cincinnati for OH/KY/TN.—
First Home First Loan (FHFL) Down Payment Assistance ProgramSummit80% of area median incomeHousehold income must be at or equal to 80% of Area Median Income as published annually by HUD; based on gross income of all household residents over age 18 and household size$163,000
First Home First Loan Down Payment AssistanceMultiple · Summit80% of area median incomeHousehold income at or below 80% Akron MSA AMI: $56,200-$105,950 by household size$163,000
First Home Lima Down Payment Assistance ProgramLima · Allen80% of area median incomeHousehold income below 80% AMI for Lima; 2026 max gross by family size: 1 $49,250; 2 $56,250; 3 $63,300; 4 $70,300; 5 $76,000; 6 $81,600; 7 $87,250; 8 $92,850. Minimum gross income to qualify is $25,000.$209,000
Franklin County Downpayment Assistance ProgramMultiple · Franklin80% of area median incomeHousehold income at or below 80% Columbus MSA AMI: $69,500-$131,000 by household size—
Grants for GradsStatewide · Statewide$179,480Maximum qualifying income $115,680 - $179,480 depending on county and household size; Grants for Grads uses elevated income limits relative to standard OHFA DPA. OHFA publishes county-specific gross income limits annually. Income calculation includes all borrowers (qualifying income).$1.4M
Grants-Down Payment/Closing Cost AssistanceHamilton · Butler80% of area median incomeHousehold income at or below 80% Cincinnati MSA AMI: $62,650-$118,100 by household size$326,000
Greater Circle Living Home Purchasing Program (HPP)Cleveland · Cuyahoga$150,000Eligibility set by employer. Cleveland Foundation additional forgivable loan requires total annual household income under $150,000.—
Greater Cleveland Habitat for Humanity Homeownership ProgramCleveland · Cuyahoga60% of area median incomeTotal monthly gross household income (all members over 18) must fall within min/max by household size. Monthly max: 1 $4,900; 2 $5,600; 3 $6,300; 4 $7,000; 5 $7,560; 6 $8,120; 7 $8,680; 8 $9,240; 9 $9,800; 10 $10,360. Food stamps, OWF, WEP not counted—
Habitat for Humanity East Central Ohio Homeownership ProgramCanton · Stark80% of area median incomeAnnual pre-tax income within guidelines by household size and county. Stark/Carroll 4p $33,000-$90,400; 1p $19,000-$63,280; 6p $44,360-$104,864. Updated annually.—
Habitat for Humanity in Wayne County Homeownership ProgramWooster · WayneSee programWithin Habitat income guidelines by household size (low-to-moderate income); specific thresholds determined during application.—
Habitat for Humanity of Findlay/Hancock County Homeownership ProgramFindlay · HancockSee programFamily gross monthly income between $2,191 and $4,480 (approx. $26,292-$53,760/yr), assessed by household.—
Habitat for Humanity of Greater Cincinnati Affordable Homeownership ProgramCincinnati · Hamilton60% of area median incomeHousehold income must fall between minimum and maximum monthly gross income by household size (approx. 30-60% AMI). Monthly max: 1 $5,129; 2 $5,863; 3 $6,596; 4 $7,325; 5 $7,913; 6 $8,500; 7 $9,083; 8 $9,671—
Habitat for Humanity of Greater Dayton Homeownership ProgramDayton · Montgomery60% of area median incomeHousehold income must be between 30% and 60% of the Dayton-area median income (HUD, Clark/Greene/Montgomery counties), adjusted for family size—
Habitat for Humanity of Knox County - Homeownership ProgramMount Vernon · Knox80% of area median incomeApplicants must fall within 30%-80% of Area Median Income (AMI) for their family size, as set by HUD. Specific dollar amounts not published on the public program page.—
Habitat for Humanity of Mahoning Valley Homeownership ProgramYoungstown · Mahoning60% of area median incomeAnnual gross household income within Habitat guidelines by size: 1p $18,450-$49,150; 4p $33,000-$70,150; 6p $44,360-$81,400. Counts all household members over age 15; updated yearly.—
Habitat for Humanity of Portage County - Home Ownership ProgramRavenna · Portage80% of area median incomeTotal household income must be at least 40% and not over 80% of Portage County median family income. 4-person range: $40,125 (min) to $80,250 (max). Ranges from $56,200 (1-person max) to $105,950 (8-person max).—
Habitat for Humanity of Southeast Ohio - Build Your Own Home ProgramMillfield · Athens$51,112Household income must fall within published ranges by family size. All counties except Fairfield: 4-person $26,812-$51,112; Fairfield County: 4-person $32,700-$65,400.—
Habitat for Humanity-Lima Area - Homeownership ProgramLima · AllenSee programHousehold income must fall within published ranges by family size (ability-to-pay floor and ceiling). Specific dollar figures provided on the affiliate's Selection Criteria page / at info sessions; not captured in a primary-source table during this verification.—
Habitat for Humanity-MidOhio Homeownership ProgramColumbus · Franklin60% of area median incomeHousehold income must be 30-60% of AMI by household size (2024 HUD income guidelines). Max by size: 1 $43,440; 2 $49,620; 3 $55,800; 4 $61,980; 5 $66,960; 6 $71,940; 7 $76,860; 8 $81,840—
Home at LastToledo · Lucas80% of area median incomeHousehold income at or below 80% Toledo MSA AMI: $53,100-$100,150 by household size—
Home Ownership Loan ProgramWarren · Trumbull80% of area median incomeHousehold income at or below 80% Youngstown-Warren-Boardman MSA AMI: $28,000-$84,500 by household size$156,655
Homebuyer Down Payment Assistance ProgramMiddletown · Butler80% of area median incomeHousehold income at or below 80% Cincinnati MSA AMI per HUD HOME limits—
Homeport Growing Homeownership FundColumbus · Franklin120% of area median incomeHousehold income at or below 120% of the Area Median Income (AMI) for the Columbus MSA, as determined by HUD, adjusted for family size.—
Lake-Geauga Habitat for Humanity Homeownership ProgramEastlake · Lake80% of area median incomeTotal adult household income 45-80% of HUD AMI for Lake/Geauga by size (FY2026). 4p range $47,250-$84,000; 1p $33,100-$58,800; 7p $58,600-$104,200.—
Lakewood HOME Program (First-Time Homebuyer's Program)Lakewood · Cuyahoga80% of area median income2025 limits (all household members over 18): 1=$55,650;2=$63,600;3=$71,550;4=$79,500;5=$85,900;6=$92,250;7=$98,600;8=$104,950.$280,000
Maude Hill Growing Homeownership FundColumbus · Franklin120% of area median incomeHousehold income at or below ~140% Columbus MSA AMI: $99,120-$186,900 by household size—
Maumee Valley Habitat for Humanity Homeownership ProgramToledo · Lucas80% of area median incomeHousehold income 30-80% of Lucas County AMI. 2025 (6/25) 80% limits: 1p $53,100; 4p $75,850; 5p $81,950. 30% minimums also apply.—
NEST Egg Homebuyers AssistanceCincinnati · Hamilton80% of area median incomeAt or below 80% of Hamilton County AMI. 80% AMI by household size: 1 $58,700; 2 $67,100; 3 $75,500; 4 $83,850; 5 $90,600; 6 $97,300; 7 $104,000; 8 $110,700.—
Next Home Down Payment Assistance programStatewide · Statewide$179,480Maximum qualifying income $115,680 - $179,480 depending on county and household size. Next Home uses elevated income limits relative to standard OHFA DPA because the program is non-bond. Income calculation includes all borrowers (qualifying income).$1.4M
OHFA Down Payment AssistanceStatewide · Statewide$179,480Maximum qualifying income $57,520 - $179,480 depending on county and household size. OHFA publishes county-specific gross household income limits annually; statewide upper bound (combined-statewide tier or Targeted Area, 3+ persons) is $179,480 and lowest non-targeted/1-2 person tier starts around $57,520. Income includes all borrowers; non-borrower household income is not included for OHFA's qualifying-income calculation but conventional loan-product overlays may differ.$1.4M
OHFA Mortgage Tax Credit (MTC)See programMust meet OHFA income limits, which vary by county, household size, and target/non-target area status (see OHFA Income and Purchase Price Limits by County).—
Ohio Heroes Down Payment Assistance ProgramStatewide · Statewide$179,480Maximum qualifying income $96,400 - $179,480 depending on county and household size. Heroes program uses Ohio Heroes-specific income tiers somewhat between standard OHFA DPA limits and Grants for Grads / Next Home elevated limits.$1.4M
Parma Down Payment Assistance ProgramParma · Cuyahoga80% of area median incomeHousehold income at or below 80% AMI (administrator example: family of four up to $79,500).$219,000
Southwest Dayton Down Payment Assistance ProgramDayton · MontgomerySee programNo income limit.—
The American Dream Down Payment Initiative (ADDI)Cincinnati · Hamilton80% of area median incomeHousehold income at or below 80% Cincinnati MSA AMI: ~$36,700 (1 person) to $110,700 (8 person) per current HUD HOME limits$345,000
Warren-Trumbull HOME Consortium Homeownership Loan Program (Trumbull County)Trumbull80% of area median incomeAnnual gross household income between 50% and 80% of area median income; limits revised annually (May 2026).—
Wayne County / Wooster CHIP Homeownership Down Payment Assistance ProgramWooster · Wayne80% of area median incomeWayne County CHIP income limits: 1 $48,900; 2 $55,900; 3 $62,900; 4 $69,850; 5 $75,450; 6 $81,050; 7 $86,650; 8 $92,250.$136,400
Wood County CHIP Homebuyer AssistanceWood80% of area median income—
Working In Neighborhoods (WIN) Affordable Homeownership ProgramCincinnati · HamiltonSee programSold to low- to moderate-income first-time buyers; related repair program uses 80% AMI; specific homeownership-program limit not published—

Questions, answered

What are the income limits for down payment assistance in Ohio?

72 down payment assistance programs in Ohio publish an income limit, a purchase price cap, or both. 54 express the limit as a percentage of the area median income for the county where the home is, and 35 publish a flat dollar figure instead.

Why does the same program have different income limits in different counties?

Because most limits are set as a percentage of area median income, which HUD publishes per county and revises annually. A program with one published percentage therefore admits a different dollar figure in each county, and the figure is further adjusted for household size.

Is a published limit the same as being approved?

No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.

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.

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