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American Dream Downpayment Initiative (ADDI)

Quick answer

American Dream Downpayment Initiative (ADDI) is a Ohio down payment assistance program from City of Cincinnati Department of Opportunity and Resident Services. It provides Up to $14,999 as a deferred-payment loan. It is aimed at first-time buyers. Eligibility, income limits and funding are set by the agency, so confirm current terms on its official page.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast verified

Eligibility notes

Non-interest-bearing, 5-year deferral and 5-year residency requirement; recaptured if sold/moved within 5 years. HUD-approved counseling required.

Where does American Dream Downpayment Initiative (ADDI) apply?

This city-level program is available to buyers in Cincinnati. Cities on our site where it applies:

DetailProgram terms
AssistanceUp to $14,999
TypeDeferred-payment loan
Minimum creditNot published on the program page
First-time buyerRequired
Income limitsLow to moderate income (no figure stated)

How does American Dream Downpayment Initiative (ADDI) work with an FHA loan?

Ohio's 2026 FHA one-unit limits start at $541,287, which supports a price of about $560,000 with 3.5% down.

Where do I confirm current terms?

On the official page: https://cincyweb.cincinnati-oh.gov/sites/budget/assets/Federal-Program-Resources-Offered-by-the-CIty-8.26.pdf. Programs can pause when funds run out, so confirm availability with a participating lender.

← All Ohio down payment assistance programs

Frequently asked questions

Up to $14,999, according to City of Cincinnati Department of Opportunity and Resident Services.

It's a deferred loan — no monthly payments, repaid when you sell, refinance or pay off the first mortgage.

Low to moderate income (no figure stated)

Sources

Data last updated October 25, 2026.

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Figures 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.