hey prescott.
See what you qualify for

Clark County / New Carlisle CHIP Homeownership Assistance Program

Clark County Community Development (with City of New Carlisle; homeownership assistance delivered by Neighborhood Housing Partnership of Greater Springfield) · New Carlisle, Ohio

Last verified
See what you qualify forOfficial program site →
Assistance

$55,500

The maximum the program publishes — not an offer

Income limit

80% AMI

Of area median income; varies by county and household size

Repayment

Forgivable

Forgiven once the program's conditions are met

What is Clark County / New Carlisle CHIP Homeownership Assistance Program?

Clark County / New Carlisle CHIP Homeownership Assistance Program is a forgivable loan for homebuyers in New Carlisle, Ohio, administered by Clark County Community Development (with City of New Carlisle; homeownership assistance delivered by Neighborhood Housing Partnership of Greater Springfield).

  • Clark County's CHIP Homeownership Assistance Program increases owner-occupancy among households at or below 80% AMI by combining down payment assistance and/or owner rehabilitation. Assistance is a deferred/declining/forgiven loan of up to $55,500 that declines in equal increments over the affordability period. The home must meet (or be brought to) Ohio Residential Rehabilitation Standards, and homebuyer counseling is required. The program serves Clark County and New Carlisle but excludes the City of Springfield, which administers its own program.
  • Up to $55,500 in deferred, declining/forgivable homeownership assistance.
  • 0% interest, no monthly payments.
  • Combines down payment assistance with rehabilitation if needed.
  • Homebuyer counseling included.
  • This is a federal program, so it is available beyond a single state or city.
  • Funding comes from Ohio Department of Development CHIP program (CDBG, HOME, Ohio Housing Trust Fund).

How much assistance does it provide?

Clark County / New Carlisle CHIP Homeownership Assistance Program offers up to $55,500 in assistance.

  • Amounts are the program's published maximums, not an offer — Clark County Community Development (with City of New Carlisle; homeownership assistance delivered by Neighborhood Housing Partnership of Greater Springfield) determines any individual award.

Do you have to pay it back?

Clark County / New Carlisle CHIP Homeownership Assistance Program is a forgivable loan, so the balance is forgiven once the program's conditions are met.

  • Repayment is triggered by Sale, transfer, or vacancy before the end of the affordability period (declining/forgiven loan; repaid on a sliding scale up to the full amount if sold/vacated before the affordability period ends).
  • The assistance is recorded in Subordinate (Clark County retains a mortgage on the property) position.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Clark County / New Carlisle CHIP Homeownership Assistance Program is open to buyers who will live in the home as their primary residence.

The program requires

  • The home is occupied as a primary residence
  • A completed homebuyer education course, through Neighborhood Housing Partnership of Greater Springfield (homebuyer counseling)
  • DRAFT (dpa-gap-finder 2026-06-13): pending review. LOAN TERM: deferred/declining forgivable loan over a per-project affordability period (exact years set per project). CHIP is a competitive grant on a two-year cycle; verified guidelines are from the PY2022 program and DPA availability depends on the current grant award — confirm current-cycle funding with Clark County Community Development. GAP: exact forgiveness_years and exact per-buyer DPA amount not published.

The program excludes

  • New construction
  • Households above 80% of area median income

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

Clark County / New Carlisle CHIP Homeownership Assistance Program limits household income to 80% of the area median income, which varies by county and household size.

  • At 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).
  • The limit applies to total household income, not only the borrower’s.
  • The program lists a maximum household size of 8.
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

Clark County / New Carlisle CHIP Homeownership Assistance Program can be used for Single Family, Townhouse, Condo, Manufactured, and Modular.

  • New construction is not eligible.
  • Manufactured homes are eligible.

Where does it apply?

Clark County / New Carlisle CHIP Homeownership Assistance Program is a federal program, so it is not limited to Ohio.

  • The program targets specific areas: Clark County and the City of New Carlisle, EXCLUDING the City of Springfield.

How do you apply?

Applications for Clark County / New Carlisle CHIP Homeownership Assistance Program go through Clark County Community Development (with City of New Carlisle; homeownership assistance delivered by Neighborhood Housing Partnership of Greater Springfield), which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through Neighborhood Housing Partnership of Greater Springfield (homebuyer counseling).

  2. Contact Clark County Community Development (with City of New Carlisle; homeownership assistance delivered by Neighborhood Housing Partnership of Greater Springfield) to reserve funds

    Funds are reserved through Competitive application round; homeownership/rehabilitation applications ranked by priority after eligibility verification, and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

90-second match

Not sure which you qualify for?

Answer 9 questions and we'll match you to every program you can actually use — in about 90 seconds. No SSN, no credit pull.

Find my programs