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How much house can you afford in Ohio with down payment assistance?

Your real Ohio affordability, the OHFA Down Payment Assistance match, and a step-by-step plan — in 30 seconds. No email required.

Calculate your Ohio number — free →
The short answer: In Ohio, the OHFA Down Payment Assistance (Forgivable 0% loan (7-yr)) provides about 3.5% of the loan amount toward your down payment or closing costs. Paired with the FHA 31%/43% debt-to-income guidelines lenders use, this calculator shows exactly how much house you can afford in Ohio — with that assistance factored in.

Ohio down payment assistance program

OHFA Down Payment Assistance
Forgivable 0% loan (7-yr) · Ohio
about 3.5% of the loan amount

3% for conventional loans, 3.5% for FHA/VA/USDA government loans.

Official Ohio program page →

Ohio DPA — common questions

What down payment assistance is available in Ohio?

Ohio's main statewide option is the OHFA Down Payment Assistance — 3% for conventional loans, 3.5% for FHA/VA/USDA government loans. It is a forgivable 0% loan (7-yr). Cities and counties in Ohio often add their own programs on top.

How much house can I afford in Ohio with assistance?

It depends on your income, debts and credit — the calculator applies the FHA 31%/43% DTI rule to estimate your price, then shows how much of your down-payment gap the OHFA Down Payment Assistance could cover. Most buyers pair it with a 3% conventional or 3.5% FHA down payment.

What credit score do I need for Ohio down payment assistance?

Many state programs set a 620 minimum credit score alongside income limits based on area median income. Requirements are set by the agency — verify current terms on the official OHFA Down Payment Assistance page before applying.

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