Homeownership programs 
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, a buyer in a target area, or a homeowner looking for refinancing options, OHFA and our lending partners have a program that’s right for you.
First-Time Homebuyer Program
Qualifying first-time homebuyers can choose from our competitive conventional and government-insured loans, all with
30-year, fixed-rate mortgages. Learn more about the First-Time Homebuyer Program.
Target Area Loan Program
Any qualified buyer purchasing a home in a federally-designated target area can benefit from this competitive loan program. Learn more about the Target Area Loan Program.
Ohio Heroes Program
Ohioans working in critical professions can take advantage of a special first-time homebuyer program with a lower interest rate. Learn more about the Ohio Heroes Program.
Down Payment Assistance Options (temporarily discontinued)
Eligible borrowers can use our down payment and closing cost assistance programs to greatly reduce out-of-pocket expense. Learn more about down payment assistance options.
Opportunity Loan Refinance Program
Borrowers with mortgages that no longer suit their financial situations may be able to refinance with this affordable alternative. Learn more about the Opportunity Loan Refinance Program.
IMPORTANT INFORMATION FOR HOMEBUYERS
The Housing and Economic Recovery Act of 2008 (H.R. 3221) prohibits the use of the $7,500 new First-Time Homebuyer Credit in conjunction with tax-exempt Mortgage Revenue Bonds. Because the OHFA First-Time Homebuyer Program is financed with tax-exempt Mortgage Revenue Bonds, homeowners who use the OHFA program are not eligible for the credit.
