Down Payment Assistance
If you are a first-time homebuyer or need help in the home buying process, Cincinnati’s Community Development department offers a variety of programs to help you achieve the American Dream. From financial assistance programs to city-sponsored training sessions, we are eager to help you find and afford the right home.

Cincinnati Down Payment Assistance

The American Dream Downpayment Initiative (ADDI) Program is designed to assist first-time homebuyers who want to purchase a home within the City of Cincinnati.

Applicants may be awarded up to $5,000 in the form of a five-year forgivable loan for a down payment and/or closing costs.

The City is currently accepting ADDI applications. Please contact 513-352-6146 for additional information.

The buyer must:

  • Be a first-time homebuyer.
  • Be at or below 80% of the median area income.
  • Complete homebuyers counseling through a HUD approved agency.
  • Provide valid documentation of all sources of income (employment and benefits).

The residence must:

  • Be located within the City of Cincinnati limits.
  • Pass a local housing code inspection (conducted by the City Building Department).
  • Be a single-family residence (multi-families are not eligible).