Columbus · Franklin County
American Dream Downpayment Initiative
Deferred second loan · 120% of area median income
Programs by loan typePrograms by loan type · Ohio
Down payment assistance you can pair with a USDA loan in Ohio
29 programs name USDA loans: 14 city, 9 county or regional, 6 statewide.29 programs in Ohio name USDA loans among the first mortgages they can be paired with: 14 run by a city, 9 by a county or regional agency and 6 open statewide.
Two approvals, made separately. The lender underwrites the USDA loan; the program reviews its own application, and the lender must also accept the assistance. The loan type is one rule among several.The lender underwrites the USDA loan; the assistance program reviews its own application. A program naming USDA means the two can be combined, and the lender must also accept the assistance as a source of funds. The loan type is one rule among several.
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The 29 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 14 programs
For homes inside that city’s limits onlyCanton · Stark County
City of Canton Down Payment Assistance
Deferred second loan · 80% of area median income
Dayton · Montgomery County
City of Dayton Down Payment Assistance Program
Deferred second loan · 80% of area median income
Toledo · Lucas County
City of Toledo Home at Last Down Payment Assistance
Assistance grant · 80% of area median income
Warren · Trumbull County
City of Warren Direct Homebuyer Assistance Program (DPA)
Forgivable loan · 80% of area median income
Cincinnati · Hamilton County
Down Payment Assistance
Deferred second loan · 80% of area median income
Euclid · Cuyahoga County
Down Payment Assistance Loan Program
Deferred second loan · 120% of area median income
Euclid · Cuyahoga County
EDCOR First Time Home Buyer Down Payment Assistance Loan Program
Forgivable loan
In a county or region 9 programs
For homes anywhere in the county or the counties namedMahoning County
Catholic Charities Diocese of Youngstown Homeownership / Down Payment Assistance Program
Assistance grant · 65% of area median income
Columbiana County
Columbiana County CHIP Homeownership / Down Payment Assistance
Forgivable loan · 80% of area median income
Coshocton County
Coshocton County CHIP Homebuyer Assistance
Forgivable loan · 80% of area median income
Summit County
First Home First Loan Down Payment Assistance
Deferred second loan · 80% of area median income
Franklin County
Franklin County Downpayment Assistance Program
Deferred second loan · 80% of area median income
Franklin County
Homeport Growing Homeownership Fund
Forgivable loan · 120% of area median income
Trumbull County
Warren-Trumbull HOME Consortium Homeownership Loan Program (Trumbull County)
Forgivable loan · 80% of area median income
Wayne County
Wayne County / Wooster CHIP Homeownership Down Payment Assistance Program
Deferred second loan · 80% of area median income
Anywhere in Ohio 6 programs
Can sit alongside a city or county program where both allow it- Communities First - Down Payment Assistance ProgramAssistance grant
- Grants for GradsForgivable loan · First-time homebuyers
- Next Home Down Payment Assistance programDeferred second loan
- OHFA Down Payment AssistanceDeferred second loan · First-time homebuyers
- OHFA Mortgage Tax Credit (MTC)Up to $2,000 · Mortgage credit certificate · First-time homebuyers
- Ohio Heroes Down Payment Assistance ProgramDeferred second loan · First-time homebuyers
Nationwide 25 programs · not in the 29
Nationwide: 25 more, not in the 2925 nationwide programs that also name USDA loans, each with its own area and eligibility rules
- American Pacific Mortgage Pathway DPA
- Chase Bank Homebuyer Grant
- Chico Rancheria Housing Corporation Homebuyer Assistance
- Confederated Tribes of Grand Ronde Down Payment Assistance
- Essex Mortgage 10 Year Amortized 2 Plus
- Essex Mortgage Forgivable/Deferred Program
- Fairway Independent Mortgage Corporation Affordable Housing
- Fairway Independent Mortgage Corporation HOPER's Incentive Program
- Flagstar - Flagstar Gift Program
- Great Nevada Mortgage Middle-Income Downpayment Assistance Grants
- Land Home Financial Services, Inc. House2Home Program
- Lennar Mortgage Advantage Plus Program
- MEP Advantage DPA Program
- National Homebuyers Fund (NHF) - Data Mortgage, Inc. dba Essex Mortgage Deferred Down Payment Assistance Program
- North Fork Rancheria Indian Housing Authority Down Payment Assistance Program
- Northern Circle Indian Housing Authority Down Payment Assistance
- Primary Residential Mortgage Down Payment Program
- Primary Residential Mortgage Inc. Welcome Home Down Payment Assistance Program
- Siletz Tribal Housing Department Down Payment Assistance
- Susan's Savings First Time Home Buyers Program
- Tyndall Federal Credit Union $1,000 Off Closing Cost
- Tyndall Federal Credit Union $450 Closing Cost
- U.S. Department of Housing and Urban Development HCV Homeownership Program
- U.S. Department of the Interior Indian Affairs Down Payment Assistance
- USDA Rural Development Single Family Housing Guaranteed Loan Program
- All nationwide programs →
What to know
What the 29 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.
- 28 of 29
ask for a homebuyer education class.
- 22 of 29
are limited to first-time homebuyers, as each program defines it.
- 16 · 8 · 4
are deferred second loans, forgivable loans and assistance grants. The other 1 is 1 mortgage credit certificate.
Free help in OhioFree help in Ohio
59 HUD-approved counseling agencies in Ohio59 HUD-approved housing counseling agencies in Ohio
28 of 29 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how the assistance and a USDA loan fit together.28 of 29 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how an assistance program and a first mortgage fit together, before you talk to a lender. Create a free account to see who’s near you.
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More of Ohio’s programs
Questions, answered
Can down payment assistance be used with a USDA loan in Ohio?
29 programs in Ohio name USDA loans among the loan types they can be paired with. The assistance program and the first-mortgage lender underwrite separately, so a lender must also be willing to accept the assistance as a source of funds.
Does naming USDA loans mean a program is open to everyone using one?
No. The loan type is one eligibility rule among several — income limits, purchase price caps, credit requirements and occupancy rules all still apply, and each program sets its own.
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 (June–August 2026). Counselors: HUD housing counseling agency list. Hey Prescott is not a lender.