OHFA Mortgage Tax Credit

Ohio Housing Finance Agency

Available Home Repair

About This Program

OHFA Mortgage Tax Credit is available in Toledo, OH.

A federal tax credit of up to 40% of annual mortgage interest paid, capped at $2,000 per year, for first-time homebuyers using OHFA programs. This is in addition to the standard IRS mortgage interest deduction. Can be combined with other OHFA products.

On $150,000 mortgage at 6.5%: ~$2,000/year credit

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

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

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

Key Details

  • First-time homebuyers only
  • 40% of annual mortgage interest (up to $2,000)
  • Non-refundable federal tax credit
  • Can combine with OHFA DPA programs
  • Check availability; program may have limited funding

How to Apply

Get free help applying Visit Official Program Page Track this program

888-362-6432

A grant-savvy contractor in Toledo, 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 Toledo 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: Subject to funding availability

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 Toledo, OH?

Up to $2,000/year.

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

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

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