What are the eligibility requirements?

All borrowers must meet certain criteria to utilize OHFA’s Homebuyer Down Payment Assistance products.

Use our interactive eligibility tool to see if you might be eligible to utilize OHFA's Homebuyer Down Payment Assistance.

  • Individuals who have not owned a home within the last three years may be considered a “first-time homebuyer” and may be eligible for additional products.
  • All of our currently available programs have credit score requirements. In many cases, individuals with credit scores below 640 will not qualify. If you are not sure how to check your credit score, we recommend reaching out to a participating lender for assistance.

Eligibility criteria for programs are subject to change, and additional eligibility requirements may be added. We’ll always do our best to make sure changes are reflected accurately on our site, but we recommend confirming your eligibility for a program through one of our approved lenders.

Formal eligibility will be determined by a mortgage lender.

Find a certified Blue Ribbon Realtor through OHFA