Housing Development assistance program

The goal of the Housing Development Assistance Program (HDAP) is to provide financing for eligible affordable housing developments to expand, preserve, and/or improve the supply of decent, safe, affordable housing for very low- to moderate-income persons and households in the State of Ohio. HDAP program funds are divided into two different types of funding.

Housing Credit Gap Financing (HCGF)

These funds can be combined with housing tax credits to provide additional resources for the development of affordable rental housing. HCGF has its own unique compliance requirements and underwriting guidelines separate from the Housing Tax Credit program.

Housing Development Gap Financing (HDGF)

A portion of HDAP funds are intended for rental and homeownership developments that do not apply for tax credits. HDGF developments may be smaller in scope. The funds are allocated through a separate funding round, and program guidelines are released each year describing the eligibility, application, and compliance requirements in detail.

Who Can Apply

HDAP applicants can be private for-profit housing developers, not-for-profit 501(c)(3) and 501(c)(4) organizations, and public housing authorities proposing to develop affordable for-sale homes, provide new affordable rental housing opportunities, or preserve affordable at-risk housing.

How the Program Works

HDAP funds are made available through HOME Investment Partnership Funds and the Ohio Housing Trust Fund (OHTF). Recipients may use funds as low-interest, deferred payment loans, or in some cases as grants. Entities receiving an award of HDAP funds must act as the majority/controlling partner, sole owner, or a general partner/managing member during the entire construction phase. The developer will draw money during the construction phase, and OHFA will oversee each development and how funds are spent. Project Administration closes out HDAP loans and grants once the development is completed.

Eligible Uses for HDAP Funding
  • Acquisition of land and/or building(s) (from unrelated parties only)
  • Demolition (not applicable for preservation developments)
  • On-site improvements
  • Construction and/or renovation costs including construction fee items, construction contingency, and contractor overhead and profit (excluding costs associated with construction of commercial property)
  • Furnishings and appliances
  • Architectural and engineering fees
  • Developer fees and developer overhead
  • Consultant fees
  • Legal fees
Applying for HDAP Funds

All applicants for HDAP funds must submit an application. Please review the program guidelines for requirements.

Closing an HDAP Award of Funds

All applicants awarded HDAP funding must sign a Funding Agreement. The Funding Agreement contains the terms under which applicants can receive HDAP funding. An instruction sheet explaining how to close the HDAP loan or grant will be attached to the signed Funding Agreement.

For additional information about the HDAP loan closing process, be sure to download the HDAP Closing Procedures document as well as the HDAP Closing Checklist.

Questions concerning closing the HDAP award should be directed to the loan closing staff:

Debbie Macioce or Bill Spencer
Ohio Housing Finance Agency
57 East Main Street
Columbus, Ohio 43215

HDAP Cash Flow Repayment Process (Updated)

OHFA has updated the process for submission of HDAP cash flow repayments. OHFA has gone paperless and has also further streamlined the process. Please review the HDAP Notification letter for details. The HDAP cash flow loan repayment form can be found in the forms section on the OHFA website.


Questions concerning the Housing Development Assistance Program should be directed to HDAP staff:

Karen Banyai
Ohio Housing Finance Agency
57 East Main Street
Columbus, Ohio 43215


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