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Edgemont, Miami Chapel, Madden Hills (City of Dayton)
Southwest Dayton: $10,000 for Edgemont, Miami Chapel and Madden Hills
Buyers who have not owned a home in three years and buy in Edgemont, Miami Chapel or Madden Hills can get $10,000, forgiven over five years of living in the home.
Fact box
Southwest Dayton Down Payment Assistance
Money can run out
Edgemont, Miami Chapel, Madden Hills (City of Dayton)
For
Buyers who have not owned in the past 3 years
Amount
$10,000
Form
Forgivable loan
First-timers only
Yes
Fine print
Forgiven over 5 years of owner-occupancy; $500 of buyer's own funds (FHA 3.5%); homebuyer class and advisor meeting
Page still live, but guidelines are from 2023 and the program is not linked from the HOC's main DPA page. Possibly inactive; confirm.
Status watch. Southwest 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 Southwest Dayton program work?
The HomeOwnership Center of Greater Dayton runs this neighborhood program with Aloft Dayton. The assistance is a flat $10,000 forgivable loan. It is forgiven over five years as long as you live in the home as your primary residence, so the balance owed shrinks the longer you stay. A caution before you plan on it: the program page is still live, but its guidelines date from 2023 and the Center’s main assistance page no longer links to it. It may be inactive, so confirm with the Center first.
Who qualifies?
The home must be in one of three southwest Dayton neighborhoods: Edgemont, Miami Chapel or Madden Hills. You must not have owned a home in the past three years. No income limit or price cap appears on the program page. With an FHA loan’s 3.5% down, you contribute at least $500 of your own money. A homebuyer class and a meeting with a HomeOwnership Center advisor are required. Since the dollar amount is flat, it covers a bigger share of the cash needed on a lower-priced home than on a pricier one.
Using it with Ohio Heroes and other help
The page does not say whether the $10,000 combines with Ohio Heroes or OHFA down payment assistance, so a participating lender confirms whether they combine. Both are forgivable, but on different schedules: five years here, seven for the OHFA help. If this program turns out to be paused, the citywide Dayton program and statewide grants such as Communities First are the next places to look in Montgomery County. For how a forgivable balance declines, see our DPA types guide.
How do you apply?
Call the HomeOwnership Center of Greater Dayton and ask whether Southwest Dayton funds are still available. If they are, schedule the advisor meeting, complete the homebuyer class and get pre-approved with a lender the Center works with. Shop only inside the three neighborhood boundaries, and get the answer on funding in writing or by email so you and your lender are working from the same terms. If you sell within the five years, expect part of the balance to still be owed. Whatever the answer, check your eligibility to see other options.
Reader questions on Southwest Dayton Down Payment Assistance
Is the Southwest Dayton program still active?
Possibly not. The page is live but its guidelines are from 2023 and it is no longer linked from the HomeOwnership Center's main page, so confirm before relying on it.
Which neighborhoods qualify?
Edgemont, Miami Chapel and Madden Hills in the City of Dayton.
Is the $10,000 a grant?
It is a forgivable loan, forgiven over five years of owner-occupancy.
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.
Watch your inbox and phone for the reopening notice. Until then, check what is already available.
