OHFA Homebuyer Program with Down Payment Assistance

Ohio Housing Finance Agency (OHFA)

Available Home Repair

About This Program

OHFA Homebuyer Program with Down Payment Assistance is available to homeowners in Dayton, OH.

30-year fixed-rate FHA, VA, USDA, or conventional mortgage with down payment assistance (DPA). Effective July 1, 2025: 3% DPA for conventional loans, 3.5% DPA for government loans, forgiven after 7 years. For low-to-moderate income first-time homebuyers. Income and purchase price limits apply by county. Minimum credit score 640 (conventional) or 650 (FHA).

First-time homebuyer; income/purchase limits by county

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

Data last verified 2026-04-01. How we verify our data.

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

Key Details

  • Down payment assistance: 3% (conventional) or 3.5% (FHA/VA/USDA)
  • DPA forgiven after 7 years; repay only if you sell sooner
  • 30-year fixed-rate mortgage through OHFA-approved lenders
  • Credit score: 640+ (conventional/USDA/VA) or 650+ (FHA)
  • Find lenders at myohiohome.org or call 888-362-6432

How to Apply

Get free help applying Visit Official Program Page Track this program

888-362-6432

A grant-savvy contractor in Dayton, 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 Dayton early keeps your application moving.

Get matched with a contractor

This program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.

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

Your application paperwork

Documents you will likely need

  • 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).
  • Photos of the problem area or the work to be done.
  • 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: Year-round through OHFA-participating lenders

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 Homebuyer Program with Down Payment Assistance provide in Dayton, OH?

3% (conventional) / 3.5% (FHA/VA/USDA) down payment assistance.

Who qualifies for OHFA Homebuyer Program with Down Payment Assistance in Dayton?

OHFA Homebuyer Program with Down Payment Assistance is open to homeowners in Dayton, OH.

How do I apply for OHFA Homebuyer Program with Down Payment Assistance in Dayton, 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.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

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