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Homeownership. Make it Part of Your Future.

The Ohio Housing Finance Agency (OHFA) provides competitive mortgage rates as well as down payment and closing cost assistance for eligible homebuyers. Our programs can make buying a home or condo easier.

With generous income and purchase price limits, OHFA offers 3% down payment assistance for conventional loans and 3.5% down payment assistance for government loans (FHA, VA, USDA). OHFA also offers 30-year fixed rate FHA,VA, USDA-RD and conventional mortgage loans. The Agency also uses target and non-target income limits for all first-time homebuyer programs.

Find Out If You're Eligible Homebuyer Guide
What to Expect – Process Overview

This video covers the steps that lead to homeownership when you use the Ohio Housing Finance Agency.

Our Programs

OHFA's Homebuyer Program

OHFA Homebuyer Program

OHFA's Down Payment Assistance Program

Down Payment Assistance

OHFA's Grants for Grads Program

Grants for Grads

OHFA's Ohio Heroes Program

Ohio Heroes

OHFA's Mortgage Tax Credit Program

Mortgage Tax Credit

OHFA's Next Home Program

Next Home

Ohio Homebuyer Plus creates specialized, tax-advantaged savings accounts to assist Ohioans on their homebuying journey. Ohio Homebuyer Plus
Median Age
$71,772
Median Household Income
# of Approved Lenders
165,898
OHFA Homebuyers