What down payment assistance does Ohio offer?
| Program | Amount | Type | Min. credit | First-time only? |
|---|---|---|---|---|
| American Dream Downpayment Initiative (ADDI) | Up to 6% of the purchase price with a maximum of $14,999 | Forgivable loan | Not stated | Yes |
| American Dream Downpayment Initiative (ADDI) | Up to $14,999 | Deferred-payment loan | Not stated | Yes |
| Cuyahoga County Down Payment Assistance Program | Up to 10% of purchase price or up to $20,900 | Deferred-payment loan | Not stated | See program |
| Home at Last | Up to $12,500; up to $20,000 in target neighborhoods | Grant (no repayment) | Not stated | Yes |
| OHFA Down Payment Assistance | 3% (conventional) or 3.5% (FHA, VA, USDA) of the purchase price | Forgivable loan | 640 | See program |
How do I apply for Ohio down payment assistance?
- Find a participating lender approved by City of Columbus Department of Development - Housing Division.
- Get pre-approved for the agency's first mortgage and confirm you meet income and price limits.
- Complete the required homebuyer education course.
- Your lender reserves the assistance when you go under contract.
Cities in Ohio
Other states with verified programs
Frequently asked questions
American Dream Downpayment Initiative (ADDI): Up to 6% of the purchase price with a maximum of $14,999; American Dream Downpayment Initiative (ADDI): Up to $14,999; Cuyahoga County Down Payment Assistance Program: Up to 10% of purchase price or up to $20,900; Home at Last: Up to $12,500; up to $20,000 in target neighborhoods; OHFA Down Payment Assistance: 3% (conventional) or 3.5% (FHA, VA, USDA) of the purchase price.
Most verified programs here target first-time buyers or have eligibility exceptions; check each program's official page.
Published minimums range from 640 to 640 among the programs we verified.
Sources
- City of Columbus Department of Development - Housing Division — American Dream Downpayment Initiative (ADDI) (verified October 25, 2026)
- City of Cincinnati Department of Opportunity and Resident Services — American Dream Downpayment Initiative (ADDI) (verified October 25, 2026)
- Cuyahoga County (administered by Believe Mortgage / CHN Housing Partners) — Cuyahoga County Down Payment Assistance Program (verified October 25, 2026)
- City of Toledo Department of Neighborhood and Business Development — Home at Last (verified October 25, 2026)
- Ohio Housing Finance Agency — OHFA Down Payment Assistance (verified October 23, 2026)
Data last updated October 25, 2026.
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Get My MatchesFigures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.