OHFA Ohio Heroes, Discounted Mortgage for Public Servants

Ohio Housing Finance Agency (OHFA)

Available Home Repair

About This Program

OHFA Ohio Heroes, Discounted Mortgage for Public Servants is available to homeowners in Dayton, OH.

Discounted mortgage interest rate for Ohio public servants: veterans/active duty/reserves/surviving spouses, police/firefighters/EMTs/paramedics, physicians/nurses/STNAs, and PreK-12 teachers/administrators/counselors. Can combine with OHFA Down Payment Assistance. Income and purchase price limits apply.

Veterans, military, emergency services, healthcare, teachers

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

  • Eligible: veterans, military, police, fire, EMS, nurses, teachers
  • Discounted mortgage interest rate below standard OHFA rate
  • Can combine with OHFA Down Payment Assistance
  • Free HUD-approved homebuyer education required
  • Find OHFA lenders at myohiohome.org | 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

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).
  • Proof of military service (DD-214) and, for disability-based grants, your VA disability rating letter.
  • 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-approved lenders

Questions about this program?

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

Email us about this program

Frequently asked questions

Who qualifies for OHFA Ohio Heroes, Discounted Mortgage for Public Servants in Dayton?

OHFA Ohio Heroes, Discounted Mortgage for Public Servants is open to homeowners in Dayton, OH. It serves veterans and military families.

How do I apply for OHFA Ohio Heroes, Discounted Mortgage for Public Servants 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.

Get matched with a pro, free Browse Dayton, OH contractors

Find More Programs in Dayton, OH

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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