Ohio Down Payment and Homeownership Assistance

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.

(Source: HUD.gov)

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

County Programs

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

Lucas County/Toledo

City of Toledo Downpayment Assistance Program
NHS of Toledo
Toledo Community Development Corporations
Toledo Division of Housing

Akron/Summit County

City of Akron
Summit County
East Akron Neighborhood Development Corp.
City of Barberton