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Ohio Housing Finance Agency

Ready to open the door to a home of your own? The Ohio Housing Finance Agency’s (OHFA) homeownership loan programs can help. Whether you are a first-time buyer or a buyer in a target area, OHFA and our lending partners have a program that’s right for you.

Ready to open the door to a home of your own? The Ohio Housing Finance Agency’s (OHFA) First-Time Homebuyer program can help. Thousands of low- and moderate-income Ohioans have purchased homes of their own thanks to OHFA’s First-Time Homebuyer program. The competitive interest rates and mortgage options on our 30-year, fixed-rate mortgage loans make it affordable for qualifying buyers to realize the dream of homeownership.

To qualify for OHFA’s First-Time Homebuyer program, you must meet at least one of the four qualifying categories below:
•Have never owned real estate;
•Have not owned or had an ownership interest in your principal residence in the last three years;
•Be a qualified military veteran; or
•Purchase a home in a target area.

OHFA’s First-Time Homebuyer program offers several loan products for buyers based on their needs. Products that fall under the First-Time Homebuyer program include:
•Target Area Loan product
•Ohio Heroes product
•Down Payment Assistance grant
•Grants for Grads product
•New Home Sweet Home product
•Mortgage Credit Certificate product
•203(ks) Loan product
•Heritage Home Program