City of Cincinnati American Dream Downpayment Initiative (ADDI)
Forgivable loan · Forgiven over 5 yrs · Income limits
Down payment assistance · Hamilton County
Buying a home in Terrace Park, OH
2 county programs and 7 statewide.Terrace Park has no program of its own, 2 across Hamilton 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.
Find my programs Free · No credit pull · 90 seconds
What’s local to Terrace Park
No program of Terrace Park’s own yet
No program run for Terrace Park alone is listed. A home in Terrace Park can use Hamilton County’s programs below, plus the Ohio statewide and federal ones.
The closest city that runs its own program is Cincinnati, about 11 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in HamiltonAnywhere in Hamilton County
2 county programs2 county programs a Terrace Park homebuyer can use
4 more programs are for homes in Cincinnati. See them 4 programs in neighboring cities — for homes inside those cities, not Terrace Park
- Cincinnati — NEST Egg Homebuyers Assistance
- Cincinnati — Down Payment Assistance
- Cincinnati — The American Dream Down Payment Initiative (ADDI)
- Cincinnati — Working In Neighborhoods (WIN) Affordable Homeownership Program
The Terrace Park marketThe Terrace Park housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Terrace Park
- 99% single-familysingle-family
- 0% townhousetownhouse
- 0% 2–4 units2–4 units
- 0% 5+ unitscondo & apartment buildings (5+ units)
- 1% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Terrace Park’s homes were built
pre-19401970s2020+
81.5%
of Terrace Park 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.
$109,900
County area median income, 4 people (HUD)HUD area median income, Hamilton County, 4-person household (2026)
$197,750
Terrace Park median household incomeMedian household income in Terrace Park (Census, 2024)
12 of the 71 programs here set their income limit as a share of Hamilton County’s area median income, adjusted for household size. See the published limits for Hamilton County
Free help nearbyFree help near Terrace Park
8 HUD-approved counseling agencies within 15 miles8 HUD-approved housing counseling agencies within 15 miles
Terrace Park’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Habitat for Humanity of Greater Cincinnati Affordable Homeownership Program asks 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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across Ohio and nationwide
69 statewide & federal programs7 statewide programs, plus federal options
Terrace Park questions
Does Terrace Park have its own down payment program?
No program run for Terrace Park alone is listed. A home in Terrace Park can use the 2 programs that cover Hamilton County and the 7 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Terrace Park?
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 Hamilton County?
Each program sets its own. 12 of the programs here set theirs as a share of HUD’s area median income for Hamilton 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 Terrace Park?
HUD-approved housing counseling agencies teach homebuyer classes, and 8 agencies are within 15 miles of Terrace Park. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
45174
Nearby in Hamilton
Sources
Sources: agency sites (June–July 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–July 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.