Your Dream Home is Waiting

The Ohio Housing Finance Agency offers down payment assistance, career-related interest rate discounts and other loan products to make buying a home or condo easier.

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Home Buyer Education Portal

Your Choice! Down Payment Assistance

Your Choice! Down Payment Assistance allows homebuyers to choose either 2.5% or 5% of the home's purchase price. Assistance can be applied toward your down payment, closing costs or other pre-closing expenses. Down payment assistance is forgiven after seven years. If you sell or refinance your home within seven years, you must repay all of the assistance provided. Learn more about Down Payment Assistance.

Mortgage Tax Credit

A Mortgage Tax Credit provides first-time homebuyers with additional income by reducing the amount of federal income tax liability owed by the borrower. With an MTC, a portion of the mortgage interest (up to $2,000) is a tax credit, a dollar-for-dollar reduction of income tax liability for the life of the loan. The tax credit cannot be larger than the homeowner's annual federal income tax liability after deductions, exemptions and other credits. Learn more about the Mortgage Tax Credit.

OHFA Advantage

If you are in the market for a home and need financial help, additional down payment grants in the amount of $1,500 or $2,500 are available. The OHFA Advantage program helps homebuyers with good credit, but lower incomes. These grants can only be used with conventional loans and are in addition to OHFA's Your Choice! Down Payment Assistance with no additional costs. Learn more about OHFA Advantage.

Contact Us

OHFA has incentives for future homeowners. If you have any questions, please write us using the form below.



The Ohio Housing Finance Agency | 57 East Main Street | Columbus, Ohio 43215
Toll Free 888.362.6432 | Phone 614.466.7970 | Fax 614.644.5393 | TDD 800.750.0750

Mike DeWine, Governor, State of Ohio Legal Statement and Policies

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