OHFA Gold Homebuyer Loan

About This Program

Provides first-time homebuyers (or buyers in targeted areas) a grant of 3.5% of first mortgage amount for down payment/closing costs with FHA, VA, USDA, or conventional loans. Community heroes (teachers, first responders) receive additional rate discounts.

3.5% of your mortgage amount provided as a grant

Key Details

• 3.5% of mortgage as a non-repayable grant
• First-time buyers or targeted area purchases
• Works with FHA, VA, USDA, conventional loans
• Rate discount for teachers and first responders
• Subject to income limits and fund availability

How to Apply

Deadline: Ongoing — subject to fund availability