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City of Cincinnati Department of Community and Economic Development (DCED)

City of Cincinnati American Dream Downpayment Initiative (ADDI)

Up to $14,000 toward a down payment in OH.

See if I qualify
Location
OH
Type
Forgivable assistance
Max assistance
$14,000
First-time buyer
Required
Property types
Single family

The City of Cincinnati's American Dream Downpayment Initiative (ADDI) provides down payment and closing cost assistance to lower- to middle-income first-time homebuyers purchasing a home within the City of Cincinnati limits. The assistance is structured as a five-year non-interest-bearing deferred forgivable loan.

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Short reads on how it works, in plain language. Free, no sign-up needed to read.

Free course from Hey Prescott

City of Cincinnati American Dream Downpayment Initiative (ADDI), explained

A short, free course on City of Cincinnati American Dream Downpayment Initiative (ADDI): what it is, who it is for, how it is forgiven, where it applies and how to apply. Based on program data from July 2026. About ten minutes.

5 modules · About 10 minutes

Read the course

Program details are sourced from public agency data and may change. Confirm eligibility with a Hey Prescott loan officer before applying.