City of Kettering First-Time Homebuyer Assistance Program
Forgivable loan · Income limits
Down payment assistance · Montgomery County
Buying a home in Oakwood, OH
2 county programs and 7 statewide.Oakwood has no program of its own, 2 across Montgomery County, and 7 statewide. Here is what each one offers, and who near you can walk you through it.
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What’s local to Oakwood
No program of Oakwood’s own yet
No program run for Oakwood alone is listed. A home in Oakwood can use Montgomery County’s programs below, plus the Ohio statewide and federal ones.
The closest city that runs its own program is Dayton, about 3 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in MontgomeryAnywhere in Montgomery County
2 county programs2 county programs a Oakwood homebuyer can use
3 more programs are for homes in Dayton. See them 3 programs in neighboring cities — for homes inside those cities, not Oakwood
Income limits in Montgomery County
How programs here set their income limits
$103,000
County area median income, 4 people (HUD)HUD area median income, Montgomery County, 4-person household (2026)
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 Oakwood
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
Oakwood questions
Does Oakwood have its own down payment program?
No program run for Oakwood alone is listed. A home in Oakwood can use the 2 programs that cover Montgomery County and the 7 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Oakwood?
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 Oakwood?
HUD-approved housing counseling agencies teach homebuyer classes, and 6 agencies are within 15 miles of Oakwood. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
45873
Nearby in Montgomery
Sources
Sources: agency sites (June–August 2026), 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). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.