OHFA Homebuyer Program with Down Payment Assistance
Ohio Housing Finance Agency (OHFA)
About This Program
The Grant Map catalogs OHFA Homebuyer Program with Down Payment Assistance in its Dayton, OH research directory. The record carries audience tags for homeowners; those tags do not establish eligibility or current service coverage.
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
The cited general URL responded on 2026-07-21; it does not confirm this program or amount.
Record set last reviewed 2026-04-01. How we verify our data.
Other published resources for Dayton, OH, are listed below. Review each separately and ask the administrators whether they can coordinate funding for the same work:
- City of Dayton CDBG Home Repair Program Varies, forgivable loan/grant for critical repairs
- Dayton Home Repair Network (DHRN), Universal Application Free critical repairs (varies by organization)
- Dayton Home Repair Revolving Loan Program Forgivable 5-year loan, exterior home repairs
- City of Dayton Lead & Healthy Homes Grant Free lead hazard remediation (grant)
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
Some programs require contractor estimates, licenses, or inspections. A cited link may be general, so confirm the current rules with the administrator before hiring; a directory match does not guarantee contractor eligibility or funding.
You may need a contractor or estimate
Some programs for this project type ask for a license, inspection, or written estimate. Confirm the rule before contacting a contractor in Dayton.
Get matched with a contractorOur record classifies the structure as a forgivable loan. Confirm repayment, forgiveness, residency, and any lien terms with the administrator.
Each administrator sets its contractor rules. Confirm exact requirements directly; the cited URL may be a general agency page.
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).
Requirements vary by program and locality. Confirm the exact rules and application route with the administrator. We can help you prepare your paperwork, but you submit it yourself.
Deadline: Year-round through OHFA-participating lenders
Questions about this program?
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Frequently asked questions
What amount is listed for OHFA Homebuyer Program with Down Payment Assistance in Dayton, OH?
The Grant Map record states: 3% (conventional) / 3.5% (FHA/VA/USDA) down payment assistance. Confirm the current amount and eligible costs with the administrator.
What audience tags are recorded for OHFA Homebuyer Program with Down Payment Assistance in Dayton?
The directory record carries audience tags for homeowners. These tags do not establish eligibility; confirm the complete current rules with the administrator.
How do I apply for OHFA Homebuyer Program with Down Payment Assistance in Dayton, OH?
Confirm the application route directly with Ohio Housing Finance Agency (OHFA); use the cited source on this page as a starting point or call 888-362-6432. Confirm any fee or cost with the administrator.
Need a Contractor for This Project?
Browse local listings or request an introduction. The Grant Map does not guarantee licensing, program experience, work quality, or funding.
More ways to save on this project
Rebates and discounts that may reduce project cost. Confirm eligibility and coordination rules before including one in your budget.
Find More Programs in Dayton, OH
This is one of several kinds of assistance that may be available. Review other programs separately and confirm whether their administrators allow coordination for the same work.
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