Am I Eligible?

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, VA and FHA 203(k) Loans: 640 or higher
    • FHA Loans (Non-203(k)): 660 or higher. Credit scores of 650-659 are acceptable for an additional fee.

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.

Eligibility Questions

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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