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Northwestern and western neighborhoods, City of Dayton
Northwest and West Dayton: up to $7,000 for new-build buyers
First-time buyers purchasing a Welcome Home Ohio or Northwest Pathways home in the mapped northwest and west Dayton area can get up to $7,000 as a 0% deferred loan.
Fact box
Northwest/West Dayton Down Payment Assistance
Money can run out
Northwestern and western neighborhoods, City of Dayton
For
First-time buyers purchasing a Welcome Home Ohio or Northwest Pathways home in the mapped area
Amount
Up to $7,000
Form
Deferred loan, no monthly bill
Income cap
No income limit for the DPA itself (the housing programs have their own limits)
Price cap
None
First-timers only
Yes
Fine print
$500 of buyer's own funds (FHA 3.5%); housing ratio no more than 31% and total debt no more than 42%; advisor appointment plus homebuyer class ($30 live / $49 online); 0% deferred loan due in full on sale, refinance or move-out
Guidelines PDF dated 1.2026: https://homeownershipdayton.speedstorecdn.com/2026/02/CityWide-DPA-new-builds-1.2026.pdf
Status watch. Northwest/West Dayton Down Payment Assistance has a fixed pot of money that can run dry. Sign up and we will tell you when a new round is funded.
How does the Northwest/West Dayton program work?
The HomeOwnership Center of Greater Dayton runs this program with CityWide Development, under guidelines dated January 2026. It is tied to specific homes: houses built or sold through the Welcome Home Ohio or Northwest Pathways programs within a mapped area of northwestern and western Dayton. Buyers get up to $7,000 as a 0% deferred loan. There is no monthly payment, but the full amount is due if you sell, refinance or move out.
Who qualifies?
You must be a first-time buyer purchasing one of the qualifying homes. The down payment help itself has no income limit and no price cap, but the Welcome Home Ohio and Northwest Pathways housing programs carry their own income limits, so you still need to fit those. Your housing payment can be no more than 31% of income and total debt no more than 42%. With an FHA loan’s 3.5% down, you bring at least $500 of your own funds. You also meet with a HomeOwnership Center advisor and complete a homebuyer class, which costs $30 live or $49 online. Because the qualifying homes come from two specific housing programs, the house you choose decides eligibility as much as your own finances do.
Using it with Ohio Heroes and other help
The guidelines do not address Ohio Heroes or OHFA down payment assistance, so a participating lender confirms whether they combine. Keep in mind that this help is repaid on a refinance, so a later rate-drop refinance would bring the $7,000 due. In Montgomery County the citywide Dayton program and the Southwest Dayton program cover other parts of the city. Our loan type comparison explains the FHA 3.5% piece.
How do you apply?
Start with the HomeOwnership Center’s down payment assistance page and book your advisor appointment. Confirm the home you want is a Welcome Home Ohio or Northwest Pathways property inside the map, take the homebuyer class, and get pre-approved within the 31%/42% ratios. The Center coordinates the assistance with your lender, and the January 2026 guidelines PDF linked from its page lists the full ratio and contribution rules. To see statewide help as well, check your eligibility.
Based on the program's official page as of November 2026. Money and rules shift, so confirm terms with the program or a participating lender. Ohio Down Payment Assistance has no affiliation with this program.
Signed up.
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