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.
Grants for Grads Program
Recent college graduates, including those earning a postgraduate degree, may be eligible to receive 2.5% of their home's purchase price to help pay for down payment and closing costs when you apply within 24 months of earning your degree. Learn more about the Grants for Grads Program.
New Home Sweet Home Program
The New Home Sweet Home Program is an extended lock option for homebuyers who purchase a new home and want to use OHFA's first-time homebuyer programs. Learn more about the New Home Sweet Home 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.
203(k) Program
Many homes for sale are currently in need of repair or modernization, but it can be challenging to pay for improvements after purchasing the property. If you're buying a property that needs rehabilitation and repair, the 203(k) loan offered by several OHFA participating lenders may be right for you. Learn more about the 203(k) Program.
Historic Preservation Program
Many older homes are in need of repair and preservation. OHFA has partnered with the Cleveland Restoration Society to offer help to qualified homeowners. Learn more about the historic preservation program.
The Ohio Housing Finance Agency is an Equal Opportunity Housing entity. Loans are available on a fair and equal basis regardless of race, color, religion, sex, familial status, national origin, military status, disability or ancestry.
