Ohio’s First-Time Homebuyer Programs Are Changing: Here’s What You Need to Know

by Daisy Lane Realty

Ohio’s First-Time Homebuyer Programs Are Changing: Here’s What You Need to Know
By Daisy Lane Realty

If you’ve been thinking about buying your first home in Ohio, now’s the time to pay attention—because some of the programs that make homeownership more affordable are about to change in a big way.

🚨 What’s happening?

Starting July 1, 2025, the Ohio Housing Finance Agency (OHFA) is rolling back several of its popular first-time homebuyer assistance programs. These include down payment help, interest rate reductions, and tax credit incentives—tools that have helped countless Ohioans get the keys to their first homes.

In short: if you’ve been counting on financial assistance to make your first move, now is the time to act.

🔍 Here’s what could be affected:

Down Payment Assistance (DPA): The current grant and loan options may be reduced or discontinued.
Mortgage Tax Credit (MCC): This popular program could be paused or scaled down.
Below-Market Interest Rates: Special rates for qualifying buyers may no longer be offered.
Eligibility Guidelines: Income limits and purchase price caps may tighten, making fewer buyers eligible.

🏡 What should you do next?

Get pre-approved now.
Lock in current program benefits before the cutoff. A lender familiar with OHFA programs can walk you through exactly what you qualify for.
Connect with a Realtor who knows what’s up.
(Spoiler: That’s us.) At Daisy Lane Realty, we stay ahead of these changes so we can help you make smart, timely decisions.
Start your home search sooner than later.
Homes are still moving quickly in many Ohio markets—and the sooner you start, the better your chances of taking advantage of current perks.

✅ Final word:

Buying your first home is already a big step—don’t let last-minute policy changes trip you up. Whether you're just starting to explore your options or you’re ready to write an offer, we’re here to help every step of the way.

📞 Call or text Daisy Lane Realty at (330) 209-3081
🌐 www.DaisyLaneRealty.com