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Ohio Grants

There are many grants available in this State to assist a home buyer purchase a home. By using these grants it makes it possible to purchase a home with little or no money down. 

Below is a list of some of the grants available, as well as contact information for each. Some are State sponsored grants. Some are sponsored on the county or municipality level. 

Understand that many of these grants have limited funding, and most have income restrictions, so it is important to work with your mortgage lender and the non profit administering the grant program to ensure availability of funds. 

State Sponsored
Bank Sponsored Matching Funds Programs
Community/local Sponsored Grants
Seller Funded Down Payment Assistance Programs

State Sponsored 

The State of Ohio offers a grant of 2.5% of the purchase price of the home you are trying to purchase. It can be used for down payment and closing costs. This program is to be used with the State’s OHFA’s mortgage programs. Below is a link to the State’s web site: 


Bank Sponsored Matching Funds Programs 

Banks that are members of the Federal Home Loan Banking system also offer IDA savings accounts. Visit the Regional Federal Home Loan Bank web site for more information.

Community/local Sponsored Grants

Ashtabula County Community Housing Improvement First Time Homebuyers Assistance Program (FTHB) 
(440) 576-3853 

Athens Home Ownership Made Easier Program (HOME) 
(740) 592-3342 

Cincinnati Metropolitan Housing Authority Hope VI Subsidy 
(513) 977-5729 

Cincinnati The Home Ownership Center of Greater Cincinnati Inc Empowerment Zone Down payment Assistance Program (DAP) 
(513) 961-2800 

Cleveland Neighborhood Housing Services of Cleveland Inc Down payment Closing Cost Assistance Loan (DPCCAL) 
(216) 361-0516 

Cleveland, Action to Support Housing Second Mortgage Assistance Program (SMAP) 
(216) 621-7350 

Columbus School District Columbus Neighborhood Housing Servies Inc. Down payment Assistance Program (DAP) 
(614) 224-3603 

Dayton Citywide Building Finance Corporation Neighborhood Lending Down Payment Assistance Program (NLDPAP) 
(937) 226-0457 

East Cleveland Home Ownership Program (HOP) 
(216) 681-2404 

Franklin County Columbus Housing Partnership Down Payment Assistance Program 
(614) 221-8889 

Franklin County Down Payment Assistance Program (DPAP) 
(614) 221-8889 

Hamilton County Greater Cincinnati Mortgage Counseling Service American Dream Accounts Programs (ADAP) 
(513) 948-8820 

Hancock County First Time Home Buyer Grants Program 
(419) 424-7094 

Kettering First Time Homebuyers Program (FTHP) 
(937) 296-2401 

Lancaster Homebuyer Acquisition Assistance Program (HAAP) 
(740) 687-6663 

Madison County Community Housing Improvement Program (CHIP) 
(614) 445-8373 

Mansfield Homebuyer Assistance Program (HAP) 
(419) 755-9793 

Massillon Homebuyer's Assistance Program (HAP) 
(330) 830-1717 

Montgomery County - County Corp Lease Purchase Program (LPP) 
(937) 225-6328 

Montgomery County - County Corp. Down payment Plus Program (DPP) 
(937) 225-6328 

Morgan / Washington Counties Community Housing Improvement Program (CHIP) 
(740) 373-6623 

Multi Counties Better Housing League of Greater Cincinnati/Ohio Trust Fund Gift Program (GIFT) 
(513) 721-6855 

Multi Counties Rural Opportunities Inc First Time Homebuyer Program (FTHP) 
(330) 821-4740 

Multi County Greater Cincinnati Mortgage Counseling Service Down payment Assistance Program (DAP) 
(513) 948-8820 

Ohio North Fairmont Community Center Grant Program 
(513) 921-5842 

Ohio Three Rivers Housing Corporation Down payment Assistance Program (DAP) 
(740) 797-7139 

Shaker Heights Neighborhood Revitalization Department Funds for the Future of Shaker Heights Program (FFF) 
(216) 491-1330 

Sidney Community Housing and Improvement Program (CHIP)
(419) 352-7537 

Springfield Home Purchase & Rehabilitation Incentive Program 
(937) 324-7368 

Springfield Redevelopment Corp. Down payment Assistance Program 
(937) 322-4623 

Van Wert County Homebuyer Assistance Program 
(419) 238-4544 

Warren County First Time Homebuyers Assistance - Deferred Loan Program (DLP) 
(513) 695-1259 

Youngstown Homebuyer Program (HP) 
(330) 744-0854 

Seller Funded Down Payment Assistance Programs

There are several non profit organizations that allow a seller to “donate” funds to them at closing, which is then given to the buyer as a down payment assistance grant. Presently, the federal government is reviewing these programs to determine whether this practice is an acceptable lending practice. By using one of these programs it is possible to purchase a home with little or no money. The seller needs to be a motivated seller, and the home needs to be priced correctly. Usually the sales price is inflated to cover the “donation”. The home must be able to appraise at the inflated price. These programs are initiated by the lender, so it is important to work with a local lender before you start looking for a home. The lender will also know how present legislation is affecting the program. The two most commonly used programs are The American Dream DAP and The Nehemiah DAP. Below are links to their web site.

American Dream:  http://www.americandreamdownpaymentassistance.com/dpa_app.cfm

Nehemiah Corp: