Stop Paying Your Landlord’s Mortgage — Get Up to 3.5% Down Payment Help and a Low Rate on Your First Home.
Ohio’s OHFA program is helping Columbus-area renters become owners with down payment assistance and competitive rates. Book a free, no-obligation 15-minute call to see what you qualify for.
- Up to 3.5% toward your down payment or closing costs (3% conventional / 3.5% FHA, VA, USDA)
- Rates as low as 3.75%–5% for qualified buyers
- Free 15-minute call — no pressure, no obligation
See What You Qualify For
Free 15-minute pre-qualification call with lender Mo Alkhalidi. No application, no obligation.
🔒 Your information is private and never sold.
What OHFA Can Put in Your Corner
A real program built for buyers who have the income but not a giant pile of cash for a down payment — if you qualify.
Up to 3.5% Down Payment Help
3% on conventional loans, 3.5% on FHA, VA & USDA — a second loan that may be forgiven after 7 years if you stay in the home.
Competitive Low Rates
As low as 3.75%–5% for qualified buyers. Your actual rate depends on your credit, loan type, and market conditions.
Local Expert Support
The Ohio Elite Team and lender Mo Alkhalidi guide you from your first call to closing day. Conventional, FHA, VA & USDA.
Bonus programs you may qualify for
🦸 Ohio Heroes: essential workers — nurses, teachers, first responders, active military & veterans — can qualify for even lower rates.
🎓 Grants for Grads: recent college graduates may qualify for special reduced-rate pricing.
Why Now?
Waiting feels safe. It’s quietly the most expensive choice you can make.
The Problem
Every month you rent, you hand someone else thousands of dollars and build zero equity. A year of rent in Central Ohio can run $18,000–$24,000+ — gone, with nothing to show for it.
It Gets Worse
The “I’ll buy once I’ve saved a big down payment” plan keeps slipping away. Rents rise. Home prices keep climbing. The longer you wait, the more you pay — on a more expensive home.
The Solution
OHFA was built for exactly this. The down payment hurdle? Assistance can cover 3% to 3.5% of it. The rate? As low as 3.75%–5% depending on the program you qualify for. A free 15-minute call is the fastest way to find out where you stand.
Central Ohio Renters → Homeowners
Real reviews from clients of the Ohio Elite Team and preferred lender Mo Alkhalidi (5.0★ from 80+ verified reviews).
“Michael was so helpful! It was my first time buying a condo and I couldn’t have had a better realtor. He was always quick to respond, thorough, and knowledgeable. He helped me throughout the whole process — especially with finding the perfect place and communicating with the sellers. Thank you, Michael!”
“I worked with Mo Alkhalidi and his team and they went above and beyond to make sure that everything ran smoothly. EXTREMELY happy with the service I received — thank you guys so much!”
This Window Won’t Stay Open Long
Assistance funds are first-come, first-served, and lenders expect this enhanced window to last only about 1–2 weeks. Take 15 free minutes to see what you qualify for — before it closes.
Check If I Qualify →