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 use that information to help qualify for a loan. 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.
I am a:

Choose the following items that apply:

Ohio Hero

What is your credit score?

What county do you live in?

What is your household size: 

What is your annual income? 

What is the potential purchase price of your future home? 

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