About the Program

OHFA offers mortgage loan products that include 3.5% of the total loan amount to be used for down payment and closing costs for home purchases across the state.

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GOLD LOAN PROGRAM

Buyers applying for the GOLD loan program must be a first-time homebuyer unless purchasing in a targeted area.

Targeted areas are defined by Census Tract numbers that identify areas with slow economic growth or low homeownership rates.The Gold Loan Program includes both government loans and conventional loans.

Purchase Price
$349,525 - Non-Targeted Areas
$427,198 - Targeted Areas

Teachers, law enforcement, firefighters, emergency medical technicians, and state employees may qualify for a special interest rate.

The GOLD Loan Program considers annual gross household income by county and family size.

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DREAM LOAN PROGRAM

Buyers applying for the DREAM Loan Program may own another property but must use the OHFA loan to purchase their primary residence.

The DREAM Loan Program includes both government loans and conventional loans.

DREAM Government
Maximum Annual Income: $150,000 Statewide
Maximum Purchase Price: $356,362 Statewide

DREAM Freddie Conventional
Annual Income Limits Vary Based on County
Maximum Purchase Price: $453,100 Statewide

The DREAM Loan Program considers mortgage lender qualifying income.

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