See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 8, 2026
Homebuyer Programs in Beavercreek, OH (2026)
Beavercreek is a city of about 47,200 residents in Greene County, Ohio, located just east of Dayton and adjacent to Wright-Patterson Air Force Base. With a median home price around $340,000, Beavercreek is one of the Dayton metro area's more established communities. The Miami Valley Community Action Partnership provides up to $5,000 in down payment assistance for income-qualifying buyers in Greene County. The Sensible Shelter program through Greene Metropolitan Housing Authority offers affordable homeownership via land contracts with no down payment required. At the state level, the OHFA Your Choice! Down Payment Assistance program offers 3% to 3.5% of the purchase price as a forgivable loan, and the OHFA Ohio Heroes program is particularly relevant given the large military community near Wright-Patterson AFB. Habitat for Humanity of Greater Dayton also serves Greene County. By combining local, state, and federal programs, Beavercreek buyers can access meaningful assistance toward homeownership.
County Programs in Greene County
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Miami Valley Community Action Partnership Down Payment Assistance | Grant | Up to $5,000 | No | View → |
| Sensible Shelter Inc. GMHA Homeownership Program | Zero-Interest Loan | Affordable home sales via land contracts with no down payment | No | View → |
- Type:
- Grant
- Amount:
- Up to $5,000
- First-time only:
- No
- Type:
- Zero-Interest Loan
- Amount:
- Affordable home sales via land contracts with no down payment
- First-time only:
- No
State Programs in Ohio
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Communities First Ohio Down Payment Assistance (The Port) | Grant | 3%, 4%, or 5% of the purchase price as a grant toward down payment and closing costs | No | View → |
| FHLB Cincinnati Welcome Home Program | Grant | Grants of $10,000 to $20,000; up to $25,000 for veterans, active-duty military, and surviving spouses | Yes | View → |
| OHFA Grants for Grads | Forgivable Loan | 3% for Conventional loans or 3.5% for Government loans (FHA, VA, USDA) of the purchase price, plus a discounted mortgage interest rate | Yes | View → |
| OHFA Mortgage Tax Credit | Tax Credit | Federal tax credit of 40% of annual mortgage interest paid, up to $2,000 per year (with OHFA loan). 15-20% with other lenders. | Yes | View → |
| OHFA Ohio Heroes | Forgivable Loan | 3% for Conventional loans or 3.5% for Government loans (FHA, VA, USDA) of the purchase price, plus a discounted mortgage interest rate | Yes | View → |
| OHFA Your Choice! Down Payment Assistance | Forgivable Loan | 3% for Conventional loans or 3.5% for Government loans (FHA, VA, USDA) of the purchase price | Yes | View → |
- Type:
- Grant
- Amount:
- 3%, 4%, or 5% of the purchase price as a grant toward down payment and closing costs
- First-time only:
- No
- Type:
- Grant
- Amount:
- Grants of $10,000 to $20,000; up to $25,000 for veterans, active-duty military, and surviving spouses
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- 3% for Conventional loans or 3.5% for Government loans (FHA, VA, USDA) of the purchase price, plus a discounted mortgage interest rate
- First-time only:
- Yes
- Type:
- Tax Credit
- Amount:
- Federal tax credit of 40% of annual mortgage interest paid, up to $2,000 per year (with OHFA loan). 15-20% with other lenders.
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- 3% for Conventional loans or 3.5% for Government loans (FHA, VA, USDA) of the purchase price, plus a discounted mortgage interest rate
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- 3% for Conventional loans or 3.5% for Government loans (FHA, VA, USDA) of the purchase price
- First-time only:
- Yes
Federal Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| FHA Loans | Government-Insured Mortgage | Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026) | No | View → |
| Good Neighbor Next Door (HUD) | Government Property Sale Program | 50% discount off the list price of HUD-owned homes | Yes | View → |
| Home Possible Mortgage (Freddie Mac) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HomeReady Mortgage (Fannie Mae) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HUD $100 Down Program | FHA-Financed HUD REO Purchase | Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs. | No | View → |
| USDA Rural Development Loans | Government-Guaranteed Mortgage | 100% financing (no down payment required); loan amount up to appraised value | No | View → |
| VA Loans | Government-Guaranteed Mortgage | No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026) | No | View → |
- Type:
- Government-Insured Mortgage
- Amount:
- Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)
- First-time only:
- No
- Type:
- Government Property Sale Program
- Amount:
- 50% discount off the list price of HUD-owned homes
- First-time only:
- Yes
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- FHA-Financed HUD REO Purchase
- Amount:
- Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- 100% financing (no down payment required); loan amount up to appraised value
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)
- First-time only:
- No
Nonprofit Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Habitat for Humanity of Greater Dayton Homeownership Program | Zero-Interest Loan | Affordable mortgage with payments never exceeding 30% of monthly income; homes not sold for profit | No | View → |
- Type:
- Zero-Interest Loan
- Amount:
- Affordable mortgage with payments never exceeding 30% of monthly income; homes not sold for profit
- First-time only:
- No
How to Apply
Step 1: Check your eligibility. The MVCAP down payment assistance program requires household income at or below 65% of the Area Median Income for Greene County, which is stricter than most programs. OHFA state programs have separate, more generous income limits.
Step 2: Complete homebuyer education. Contact Miami Valley Community Action Partnership at 937-376-7747 for counseling services, or the Sensible Shelter program requires education through Ohio State University Extension or Greene County Career Center.
Step 3: Contact Miami Valley Community Action Partnership at 937-376-7747 or visit 469 Dayton Ave., Xenia, Ohio 45385. They administer the local down payment assistance program for Greene County.
Step 4: Get pre-approved for a mortgage. Work with an OHFA-participating lender to explore state programs like Your Choice! DPA, Ohio Heroes (especially for military and first responder families), or Grants for Grads. Find participating lenders at myohiohome.org.
Step 5: Find a home within program guidelines. Ensure the property meets purchase price and location requirements for your chosen programs.
Step 6: Submit your application. Your housing counselor will help compile required documentation for all programs you qualify for.
Frequently Asked Questions
How much down payment assistance can I get in Beavercreek?+−
Do I have to be a first-time homebuyer to qualify?+−
Are there special programs for military families near Wright-Patterson AFB?+−
What is the Sensible Shelter homeownership program?+−
What homebuyer education is required?+−
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