OHFA Mortgage Tax Credit

Ohio Housing Finance Agency (OHFA)

Available Home Repair

About This Program

OHFA Mortgage Tax Credit is available to homeowners in Columbus, OH.

Federal tax credit equal to 40% of annual mortgage interest paid (up to $2,000/year) when coupled with OHFA first-time homebuyer program. Can also be used standalone at 15-20% of interest. Credit lasts the life of the mortgage.

First-time buyer or target area, credit score 640+, income limits apply

Official source site checked live on 2026-06-22.

Data last verified 2026-04-03. How we verify our data.

In Columbus, OH, you can combine this program with other local help to cut your cost:

Key Details

  • 40% of mortgage interest as federal tax credit (with OHFA loan)
  • Maximum $2,000 per year, life of the mortgage
  • 15-20% credit available without OHFA loan
  • Can be combined with OHFA down payment assistance
  • Non-refundable, must have tax liability to use

How to Apply

Get free help applying Visit Official Program Page Track this program

888-362-6432

A grant-savvy contractor in Columbus, OH can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Columbus early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Your federal tax return for the year of the work (this benefit is claimed on your taxes, not through a separate application).
  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Ongoing

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

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Frequently asked questions

How much can OHFA Mortgage Tax Credit provide in Columbus, OH?

Up to $2,000/year tax credit.

Who qualifies for OHFA Mortgage Tax Credit in Columbus?

OHFA Mortgage Tax Credit is open to homeowners in Columbus, OH.

How do I apply for OHFA Mortgage Tax Credit in Columbus, OH?

Apply directly with Ohio Housing Finance Agency (OHFA) using the official program link on this page or call 888-362-6432. There is no middleman and no fee.

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