Forgivable loan
City of Springfield Down Payment Assistance Program
First-time homebuyers · Income limits
Down payment assistance · Clark County
Buying a home in Springfield, OH
1 Springfield program, 1 county program and 7 statewide.Springfield has 1 program of its own, 1 more across Clark 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 Springfield addresses
Springfield’s own program
Anywhere in ClarkAnywhere in Clark County
1 county program1 county program a Springfield homebuyer can also use
The Springfield marketThe Springfield housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Springfield
- 64.1% single-familysingle-family
- 9.7% townhousetownhouse
- 9% 2–4 units2–4 units
- 16.8% 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 Springfield’s homes were built
pre-19401970s2020+
83.7%
of Springfield 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.
$83,700
County area median income, 4 people (HUD)HUD area median income, Clark County, 4-person household (2026)
$47,143
Springfield median household incomeMedian household income in Springfield (Census, 2024)
12 of the 71 programs here set their income limit as a share of Clark County’s area median income, adjusted for household size. See the published limits for Clark County
Free help nearbyFree help near Springfield
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency 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
Springfield questions
Does Springfield have its own down payment program?
Yes, one: City of Springfield Down Payment Assistance Program, a forgivable loan for first-time homebuyers (forgiven over 10 yrs, income limits). It is for homes inside Springfield.
Can I use assistance on a condo in Springfield?
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 Clark County?
Each program sets its own. 12 of the programs here set theirs as a share of HUD’s area median income for Clark 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 Springfield?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Springfield. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
45501 · 45502 · 45503 · 45504 · 45505 · 45506
Nearby in Clark
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.