First Time Home Buyer and Other Home Loan Programs - Ohio


Ohio has several first time home buyer and other home loan programs available through the Ohio Housing Finance Agency, as well as other city and county agencies.

The Ohio Housing Finance Agency

The Ohio Housing Finance Agency (OHFA) makes affordable housing opportunities available to low- to moderate-income people in Ohio, including first-time homebuyers, renters, senior citizens, and other populations with special needs.

Read more about the Ohio mortgage programs on the official Ohio Housing Finance Agency website.

Ohio also has several first time home buyer and other home loan programs available through city and county agencies. Find a local Ohio home buyer program that is right for you on the official Ohio HUD website.


The Ohio First-Time Homebuyer Program

Qualifying first-time homebuyers can choose from OHFA competitive conventional and government-insured loans, all with 30-year, fixed-rate mortgages.

Read more about the Ohio First-Time Homebuyer Program


Target Area Loan Program

Any qualified buyer purchasing a home in a federally-designated target area can benefit from this competitive loan program.

Read more about the Target Area Loan Program


Ohio Heroes Program

Ohioans working in critical professions can take advantage of a special first-time homebuyer program with a lower interest rate.

Read more about the Ohio Heroes Program


Down Payment Assistance Grant

Eligible buyers can combine OHFA's Down Payment Assistance Grant with our homeownership loan programs to help pay for down payments, closing costs, and other out-of-pocket expenses associated with buying a home.

Read more about the Down Payment Assistance Grant


Homebuyer Tax Credit Advantage Program

Get a loan of up to 3% of your home purchase price to help with down payment and closing costs when you use our homeownership programs.

Read more about the Homebuyer Tax Credit Advantage Program


Mortgage Credit Certificate Program

For qualifying homebuyers, a Mortgage Credit Certificate (MCC) can increase a household's income by reducing federal income tax liability, giving the household additional funds that can be used to make mortgage payments.

Read more about the Mortgage Credit Certificate Program


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Source: The Ohio Housing Finance Agency
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