Do I have to be a first-time buyer for OHFA Ohio Heroes?

Yes. The program lists a first-time buyer requirement.

Is there an income limit?

Yes. The listed income limit is Per county.

What credit score does OHFA Ohio Heroes list?

The listed minimum credit score is 640.

OHFA Ohio Heroes

OHFA Ohio Heroes is a discounted rate + forgivable dpa from OHFA. Available statewide in Ohio. Up to 3.5% toward a home purchase. For first-time buyers. Income limit: Per county.

Up to 3.5%

Listed as open as of May 2026

Available statewide in Ohio.

First-time buyer	Required
Income limit	Per county
Minimum credit score	640
Homebuyer education	Required (HFA-approved (Framework, eHome, NeighborWorks, etc.))
Occupations	Teachers, nurses, police, firefighters, EMTs, vets, active military
Property types	SFR
Occupancy	Owner-occupied primary
Eligible loan products	FHA/VA/USDA/Conv
Sales price cap	Per county
Repayment	Forgiven 7 yrs
Forgivable	Per program structure
Stacking	Public servants

Source OHFA·official program page·Verified May 2026

Provider: OHFA · program details at the provider’s site.

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