Am I Eligible?

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All OHFA qualified borrowers must meet each of the following criteria:

  • Applicants must meet OHFA income limits and properties must meet purchase price limits, which vary by county. View OHFA's income and purchase price limits.
  • Applicant must meet debt to income ratios for their loan type.
  • You meet credit score requirements:
    • Conventional, USDA and VA Loans: 640 or higher
    • FHA Loans: 650 or higher

For advice on improving your credit score please contact a HUD-approved counseling agency in Ohio.

  • Applicants must purchase a qualifying property that is limited to two acres within a municipal corporation and five acres outside a municipal corporation. Additional acreage may be required by local health or safety code. Qualifying properties include the following:
    • Existing homes: single-family dwellings, conforming condominiums, duplexes, and up to four-unit properties.
    • Newly built spec/nearly completed homes: one-unit single-family dwellings.
    • Modular homes; one-unit single family dwellings.
    • Manufactured homes.
  • Additional requirements may apply to specific homeownership products.
  • Applicants that have a limited credit history but have a record of paying their rent on time for at least 12 months may now use that information to help qualify for a loan through an approved Fannie Mae lender. Most lenders that offer OHFA's loan products are also approved by Fannie Mae. Applicants are still required to meet all other eligibility and underwriting criteria to obtain a loan. For more information see these FAQs.

Eligibility Questions

Please answer the questions below before hitting the 'Am I Eligible' button.
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Choose the following items that apply:

Ohio Hero

What is your credit score?

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What is your annual income? 

What is the potential purchase price of your future home? 

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