Homeownership programs

Ready to open the door to a home of your own? The Ohio Housing Finance Agency’s (OHFA) homeownership loan programs can help. Whether you are a first-time buyer or a buyer in a target area, OHFA and our lending partners have a program that’s right for you.

First-Time Homebuyer Program

Qualifying first-time homebuyers can choose from our competitive conventional and government-insured loans, all with
30-year, fixed-rate mortgages. Learn more about the 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. Learn 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. Learn 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. Learn 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. Learn 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. Learn more about the Mortgage Credit Certificate Program.

Information provided by Ohio Housing Finance Agency