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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.
Applicants must meet the credit score requirements. Please note that credit score requirements may be higher for different loan types. Please check with your lender for specific requirements. The minimum credit score for borrowers using OHFA Homebuyer Programs are as follows:

Loan Type:
Conventional, USDA, VA and 203(k) Loans: 640 or higher
FHA 203(b) Loans: 660 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, unless additional acreage is 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.
Additional requirements may apply to specific homeownership products.

I am a:
First-time homebuyer: You have not owned or had an ownership interest in your primary residence in the last 3 years. Previous homeowner: You currently own or have had ownership interest in your primary residence in the last three years
Choose the following items that apply:
Ohio Hero
Active Military and Veterans Fire Fighter/Emergency Medical Technician/Paramedic Healthcare Workers-certified or licensed direct patient caregivers Police Officers Teachers

What is your credit score?*
640 or above Below 640 * Please note that credit score requirements may be higher for different loan types. Loan Type: Conventional, USDA, VA and 203(k) Loans: 640 or higher FHA 203(b) Loans: 660 or higher
What county do you live in?

What is your household size:
1-2 3+
What is your annual income?
less than $30,000 $30,001 to $50,000 $50,001 to $70,000 $70,001 to $90,000 more than $90,000
What is the potential purchase price of your future home?
less than $50,000 $50,001 to $150,000 $150,001 to $250,000 $250,001 to $350,000 more than $350,000