Ohio · Forgivable loan

OHFA Down Payment Assistance

3-3.5% of price, forgiven after 7 years

3% for conventional or 3.5% for FHA/VA/USDA loans. Forgiven completely after 7 years.

OHFA's standard DPA provides a choice between 2.5% or 5% of the purchase price as a grant. The grant requires no repayment — it's free money applied at closing. OHFA's programs are available to both first-time and repeat buyers, making Ohio one of the most accessible states for DPA.

Amount3-3.5% of price, forgiven after 7 years

TypeForgivable loan

Available inOhio

First-time buyer requiredYes

Minimum credit score640

Multi-unit eligibleYes — 1-4 units

House-hack eligible

Up to 4-unit properties eligible. Buy a fourplex with FHA + 3.5% DPA, forgiven in 7 years.

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 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

OHFA Next Home Below-market rate + 2.5% DPA for repeat buyers

Ohio · Subsidized loan

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