Ohio · Rate discount

OHFA Ohio Heroes

Discounted rate + stackable with 2.5-5% DPA

Discounted mortgage rate for teachers, nurses, police, firefighters, EMTs, veterans, and military. Pairs with DPA.

OHFA's Ohio Heroes program provides enhanced DPA for military members, veterans, teachers, and first responders. Ohio's diverse military presence and large public education system create substantial demand for targeted DPA.

AmountDiscounted rate + stackable with 2.5-5% DPA

TypeRate discount

Available inOhio

First-time buyer requiredNo

Minimum credit score640

Multi-unit eligibleYes — 1-4 units

House-hack eligible

This program can be used on 1-4 unit properties. Live in one unit, rent the others.

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

Ohio · Subsidized loan

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