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What’s Inside the Guide
- How FHA, VA, and USDA loans make homeownership possible with low or zero down payments.
- Ohio-based and Miami Valley assistance programs that offer grants and special financing.
- How to identify income-based and career-related options (e.g., veterans, public service).
- The role of credit, income, and location in eligibility.
- How a local REALTOR® helps match you to the right program for your goals.
Why Down Payment Assistance Matters
For many renters, the hardest part of buying isn’t affording the monthly payment — it’s saving for the down payment. The good news? You don’t always need 20% down. With the right loan or assistance program, you may qualify for homeownership far sooner than expected.
Programs like FHA, VA, and USDA loans offer flexible options for credit and income levels. Plus, state and city programs throughout the Miami Valley can provide additional grants or closing cost assistance to help you bridge the gap.
Tip: Working with a local real estate professional ensures you know about each available program before you start house-hunting.
Additional Buyer Resources
