OHFA Mortgage Tax Credit (MTC)
Ohio Housing Finance Agency (OHFA)
About This Program
The Grant Map catalogs OHFA Mortgage Tax Credit (MTC) in its Dayton, OH research directory. The record carries audience tags for homeowners; those tags do not establish eligibility or current service coverage.
Federal Mortgage Credit Certificate providing annual tax credit on mortgage interest. MTC Plus: 40% credit, up to $2,000/year, can combine with OHFA DPA (slightly higher rate). MTC Basic: 20% credit in target areas / 15% elsewhere, no credit score requirement. First-time homebuyer required (not owned primary residence in 3 years). Non-refundable; requires tax liability.
First-time homebuyer; income/purchase limits
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
- MTC Plus: 40% credit on mortgage interest, up to $2,000/year
- MTC Basic: 15-20% credit, no credit score requirement
- Non-refundable, must have tax liability to benefit
- Can combine with OHFA Down Payment Assistance (MTC Plus)
- Find lenders at myohiohome.org | 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 contractorEach 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
- 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).
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-approved lenders
Questions about this program?
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Frequently asked questions
What amount is listed for OHFA Mortgage Tax Credit (MTC) in Dayton, OH?
The Grant Map record states: Up to $2,000 tax savings per year (MTC Plus: 40% credit). Confirm the current amount and eligible costs with the administrator.
What audience tags are recorded for OHFA Mortgage Tax Credit (MTC) 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 Mortgage Tax Credit (MTC) 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.
See All Programs