Ohio only
OHFA down payment assistance
Polaris Home Funding Corp. is an OHFA participating lender. Eligible Ohio buyers can stack assistance on an FHA or conventional first mortgage. We run both pieces of the file.
ApplyHow we use it
OHFA is not a second lender you interview on your own. On a qualifying Ohio purchase we reserve the assistance, lock the first mortgage, and close both on the same date.
Income limits, purchase-price caps, and targeted census tracts change. We confirm the current grid at myohiohome.org before we tell you the cash-to-close number.
Where it shows up
Newark, Heath, Pataskala, Granville, Johnstown, Hebron, Steubenville, Wintersville, New Philadelphia, Dover, Sugarcreek, and Uhrichsville — anywhere in Ohio we already originate, when the buyer and the house fit the program.
OHFA questions
- Who can use OHFA?
- Ohio purchasers who meet current income, purchase-price, and first-time or targeted-area rules. Limits live on myohiohome.org and change.
- Does OHFA work with FHA?
- Yes. That is the stack we use most. Conventional OHFA products exist when credit and down payment support them.
- Can I use OHFA in West Virginia or Pennsylvania?
- No. OHFA is Ohio only. WV and PA files use other assistance when it exists.
Start here
Get pre-approved today.
Start the official application or call the branch if you need a file opened tonight.