OHFA partners with a network of lenders throughout the state to make low interest home loans available. You must use a participating lender to apply for an OHFA loan. Homebuyers must also meet federal income guidelines and home sales price restrictions. To find out if you qualify for a loan, click on your county or use the drop down box to view income and sales price limits. If you meet the qualifications, contact a participating lender in your area to discuss OHFA programs, obtain loan program information, and begin the application process.

Most counties contain both target and nontarget areas. Targeted areas have been designated by the U.S. Department of Housing and Urban Development to encourage increased homeownership. Your lender can help you identify targeted areas.

NOTE:  FHA Loan Limits MAY be less than Sales Price Limits