OHFA sets different income and purchase price limits for every county in Ohio. Most guides quote one statewide number, and it is almost always wrong for your county. These are the published limits, effective 1 July 2026.
All 88 counties · OHFA limits effective 1 July 2026Pick your county and household size to see the income ceiling, the purchase price ceiling and your estimated down payment assistance.
A percentage of the purchase price toward down payment, closing costs or other pre-closing expenses. Forgiven after seven years; sell before then and you repay all of it.
A reduced rate for buyers in public service occupations. Can be combined with down payment assistance.
Down payment assistance and a discounted rate for buyers who recently completed a degree.
For buyers who do not meet OHFA's first-time criteria but still want assistance.
A federal tax credit against mortgage interest, claimed every year you hold the loan.
| Requirement | OHFA Your Choice! Down Payment Assistance |
|---|---|
| Assistance | 3% of purchase price on conventional loans, 3.5% on FHA, VA and USDA. |
| Structure | Forgiven in full after seven years. Sell within seven years and the entire amount is repaid. |
| Loan types | 30-year fixed rate: conventional, FHA, VA, USDA-RD. |
| Credit score | 640 for conventional, USDA and VA. 650 for FHA. |
| Debt-to-income | Must meet the ratio requirements for your loan type. |
| Income limit | Set by county and household size, in two brackets: 1–2 and 3 or more. |
| Purchase price limit | $618,475 in the Columbus area, $566,355 elsewhere, for a one-family home in a non-target area. |
| Homebuyer education | Free, through a HUD-approved Ohio agency. Completed after the loan application is submitted. |
| Conventional MI | Below your county's 80% AMI figure, charter minimum mortgage insurance coverage applies instead of standard coverage. |
A licensed loan officer will review your situation and tell you what you actually qualify for. No application is taken on this page.