Every state has down payment or homeownership assistance programs; some states have both. The programs are designed to provide affordable housing opportunities to homebuyers who might not ordinarily be able to afford a house.
Each program can have their own income and eligibility requirements but primarily the programs are available for first-time homebuyers or low-income families.
Keep in mind if you had no ownership in a principal residence in the previous 3 years, you are also considered a first-time homebuyer even if you owned a home prior to that 3-year period.
The programs are not usually administered directly through the State. Instead, they are nonprofit based and handled through a third party agency. The list below will start you on your search but be sure to confirm the program is currently available.
Statewide and Regional Programs
Ohio Housing Finance Agency
Office of Housing and Community Partnerships – the Ohio Department of Development
Community development corporations in Ohio
A statewide listing of recipients – of community development block grant and/or HOME investment partnership funds. Many of these grantees have homeownership programs.
Veteran’s Administration – properties for sale in Ohio
Homeowner education programs
U.S. Department of Agriculture Rural Housing
Programs by City/Town
City of Canton – Department of Community Development
City of Lakewood – Department of Community Development
Neighborhood Development Services – (330) 297-6400
City of Mansfield – Department of Community Development
City of Massillon – Department of Housing
Summit County Homeownership Program
Cincinnati/Hamilton County Homeownership Programs
Cleveland/Cuyahoga County Homeownership Programs
Columbus/Franklin County Homeownership Programs
Dayton/Montgomery County Homeownership Programs
Hamilton/Middletown/Butler County Homeownership Programs
Springfield/Clark County Homeownership Programs