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Dayton Down Payment Assistance Program

Ohio

Available Assistance

If qualified, first-time homebuyers might receive up to 10 percent of their new home’s purchase price, to be put toward the down payment and closing costs. This a zero-interest, deferred second mortgage. The loan does not need to be repaid unless the property is sold or refinanced, the ownership is transferred, the owner vacates the house, or it becomes a rental or investment property. Funds for the Dayton Down Payment Assistance Program are limited and available on a first-come, first-served basis.

Eligibility Requirements

To qualify for the Dayton Down Payment Assistance Program, applicants must meet certain requirements. They must be first-time homebuyers, and have a total household income at or below 80 percent of area median income (limits shown below). All applicants are responsible for contributing at least $500 of their own funds to close on the home and must complete and submit the application and all required documents as outlined in the program guidelines. They must also complete a pre-purchase appointment with a Homeownership Advisor and a required Homebuyer Class through the HomeOwnership Center of Greater Dayton.

Property Guidelines

A mandatory, local housing code inspection will be conducted by HomeOwnership Center of Greater Dayton, and all identified problems with the structure must be taken care of prior to purchase. One or two unit, owner-occupied primary residences are permitted under the program, including condos and Planned Unit Developments (PUDs), as long as they are located in the municipal corporation limits of the City of Dayton.

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