City of Columbus · Deferred loan

Columbus ADDI

Deferred loan — varies by funding

Deferred loan to help first-time buyers in Columbus cover down payment and closing costs.

Columbus-area DPA programs serve buyers in Ohio's capital and fastest-growing city. Columbus's tech sector, Ohio State University, and government employment drive housing demand. Local DPA helps residents compete in this appreciating market.

AmountDeferred loan — varies by funding

TypeDeferred loan

Available inOhio

First-time buyer requiredYes

Minimum credit score620

Multi-unit eligibleSingle-family only

Programs that pair with this

FHA Loan Saves ~$33,000 on a $200K home vs 20% down

Federal · Subsidized loan

VA Loan $0 down + no monthly mortgage insurance

Federal · Federal benefit

NACA Program $0 down + $0 closing + $0 PMI + below-market rate

National · Nonprofit program

OHFA Down Payment Assistance 3-3.5% of price, forgiven after 7 years

Ohio · Forgivable loan

OHFA YourChoice! Up to 5% of price — forgiven after 7 years

Ohio · Forgivable loan

OHFA Ohio Heroes Discounted rate + stackable with 2.5-5% DPA

Ohio · Rate discount

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