Current down payment assistance guidelines, updated from one source.
The current program figures below are hydrated from Lendmire’s down payment assistance standards source at each visit, so the options shown for Logan, OH are the options in force.
Of the purchase price
Measured on the purchase price or the appraised value, whichever is lower; the largest option covers the down payment and reaches closing costs, and the smaller options cover the 3.5% FHA minimum.
Covers the whole FHA down payment
The FHA minimum down payment is 3.5%, and this option covers all of it with nothing to pay back — no lien, no payment, no interest — for buyers at or below the area income limit or in a qualifying category.
On the forgivable and repayable options
No income cap on the forgivable and repayable options: earn what you earn. The nothing-to-repay option is the one exception, opening at or below 140% of area median income or through a qualifying category.
Credit score to start
The score that opens the nothing-to-repay option; the forgivable options start a step higher and the repayable options higher still. Two-borrower files may use a blended score on the second-lien options.
| Option | Assistance | What you repay | Credit · mortgage · units |
|---|---|---|---|
| Grant-style assistance — nothing to repay | 2% or 3.5% of the price | Nothing — released at closing | 620+ · FHA 203(b), FHA repair escrow, FHA Limited 203(k), FHA Standard 203(k) · 1–4 units |
| Forgivable second lien — three-year | 3.5% of the price | Nothing after 36 on-time mortgage payments | 640+ · FHA 203(b), FHA Limited 203(k), HUD-184, USDA · 1–2 units |
| Forgivable second lien — five-year | 3.5% of the price | Nothing after 60 on-time mortgage payments | 640+ · FHA 203(b), FHA Limited 203(k), HUD-184, USDA · 1–2 units |
| Repayable second lien — thirty-year amortization, ten-year balloon | 3.5% or 5% of the price | Second lien, 30-year amortization, balloon in year 10 | 660+ · FHA 203(b), FHA Limited 203(k), HUD-184, USDA · 1–2 units |
| Closing-cost repayable second lien | 3.5% or 5% of the price | Second lien, 30-year amortization, balloon in year 10 | 660+ · FHA 203(b) · 1–2 units |
| Refinance-cost second lien (repayable) | 1% to 3.5% of the balance | Second lien, repaid | 660+ · FHA 203(b) · 1–4 units |
Current down payment assistance snapshot · updated September 7, 2026 · six options offered in Ohio · no option requires a first-time buyer · no option combines with another assistance program · owner-occupied primary residences only.
Program figures are hydrated from one guideline source and change when it changes. The nothing-to-repay option is not offered in every state; the forgivable and repayable options are second liens; no option combines with another assistance program; all are for owner-occupied primary residences. The rate in the calculator is an editable market benchmark, not a quote, and the payment shown is an illustrative estimate; no fee or lender identity appears on this page. Lendmire is the broker, not the lender, and is not affiliated with FHA, USDA, HUD, or the federal government.
What down payment assistance is — and how the options differ.
The first-time home buyer programs work the same way in Logan, OH as anywhere in the footprint: a government first lien, an assistance option sized as a percentage of the price, and a set of rules about credit, units, and eligibility that decide which option fits.
For the program overview, see Lendmire’s down payment assistance program, or the statewide guide at Down Payment Assistance in Ohio.
Assistance covers the FHA down payment
The gap the program closes for a Logan buyer is the minimum investment: the assistance covers that share of the price, the first lien carries the rest, and the buyer’s own savings stay for the move.
Four shapes: grant, forgivable, repayable, refinance
Nothing to repay, forgiven over time, or repaid with a balloon: the three purchase shapes in Logan, OH cover the same minimum investment and differ in what the buyer owes afterward.
Credit floors, mortgage programs, and unit counts
Credit decides which options are open; the first lien decides which options attach; the property’s unit count and type decide which option carries it. The options table shows all three side by side.
Eligibility without a first-time-buyer rule
In Logan, OH, the question is not whether this is a first home; it is which option fits the credit, the first lien, and the property — and, for the nothing-to-repay option, which qualifying category applies.
Enter a price, choose an option, and add your own cash. The calculator sizes the minimum investment, splits the assistance between the down payment and closing costs, and estimates the FHA payment with mortgage insurance, taxes, insurance, and dues.
Where Logan’s first-time and moderate-income buyers shop — and how the assistance fits.
Census housing and income data describe who buys in Logan, OH and what it costs to get in; a lender reads those figures as context for the first lien, not as underwriting inputs.
Market context only. A large renter share signals demand for the program; a moderate median value signals that the minimum investment is within the assistance’s reach; the two together describe where the program closes most files.
Data sources: U.S. Census Bureau — ACS 5-Year (2024) housing and population estimates, including tenure, home values, gross rents, and household income.
Distinct Logan submarkets, distinct property rules.
Across Logan’s year-round neighborhoods, workforce housing, and the homes behind the visitor economy, the same program produces different closings because prices, property types, and first liens differ block by block.
USDA-eligible edges
Outside Logan’s core, USDA-eligible areas pair a no-down-payment first lien with the second-lien assistance options, which then cover closing costs and prepaids. The median owner-occupied home value in Logan runs near $159,600 on the latest Census estimate.
Year-round neighborhoods
The assistance is for a primary residence, so in Logan it belongs to the year-round neighborhoods rather than the vacation stock; a buyer who lives and works in Logan uses it to close on the home they occupy. Logan counts a population near 7.0K.
Townhome and PUD communities
Townhome communities in Logan pair with the program; the association’s dues and documents are reviewed with the first lien, and the assistance covers the minimum investment. Median gross rent in Logan is about $726 a month — the payment many renters already carry.
County-limit homes
Resort-area prices in Logan push some first liens toward the county loan limit; above it, only the repayable options carry the assistance, and the nothing-to-repay option stops at the limit. Median household income in Logan sits near $57,882 on the latest Census estimate.
Workforce condominiums
Buyers in Logan’s condominium buildings use the program on approved projects, with the building’s status settled before the closing is scheduled. About 34% of Logan’s households rent — roughly 902 renter households, the pool the program exists for.
Manufactured homes on owned land
Manufactured housing on owned land near Logan is eligible, with the option decided by the home’s width and the land owned rather than leased. On a home at Logan’s median value, the FHA minimum investment comes to about $5,600 — the figure the assistance is built to cover.
Market context only. The option for a Logan file comes from the credit tier, the first lien, the property, and the eligibility category, never from the submarket.
Four ways Logan buyers put down payment assistance to work.
How Logan buyers put the program to work depends on the first lien, the property, and what the help needs to cover; these four paths cover most files.
Buy a home that needs work with a renovation mortgage
For an older Logan home, the renovation first lien and the assistance fit together, with the assistance measured on the price rather than the repaired value.
Cover the costs of an FHA refinance
Owners in Logan with an FHA loan and little cash for a refinance use the refinance-cost option, subject to its own credit floor and combined-leverage limit.
Cover closing costs too on the larger option
The larger option exists for the Logan, OH closing where the down payment is only half the problem: it carries the minimum investment and a further share for costs.
Pair the assistance with a USDA or HUD-184 mortgage
A Logan, OH buyer on a USDA or HUD-184 first lien uses the second-lien options, forgivable or repayable; the nothing-to-repay option pairs only with FHA first liens.
Size the assistance on a Logan price before requesting a quote.
This tool applies the program to a Logan scenario: the price sets the minimum investment, the option and your cash set the down payment, and the FHA loan, mortgage insurance, and payment follow at the benchmark rate shown. Every field is editable; the rate is a market reference, not a quote.
Logan FHA payment with assistance
A Logan scenario to start from — adjust the price, the option, your own cash, the term, and the rate to see the assistance and the payment.
Editable benchmark: 6.71% as of September 3, 2026 · Freddie Mac 30-year average via FRED®. A conventional market reference, not an FHA loan quote.
Illustrative starting assumptions: a $160,000 price near Logan’s median owner-occupied home value (kept where an FHA first lien is realistic), the strongest assistance option offered in Ohio applied against the FHA minimum investment, a thirty-year term at the current Freddie Mac benchmark, property taxes and insurance estimated for Ohio (U.S. Census Bureau). Every field is editable.
Illustrative estimate only — not a Loan Estimate, approval, quote, or commitment to lend. The rate field carries the weekly Freddie Mac thirty-year conventional benchmark, a market reference and not an FHA loan quote; your rate is set by the lender at lock. FHA mortgage insurance follows HUD’s published schedule for the term, leverage and loan size entered; taxes, insurance and dues are editable estimates; closing costs are not included; a repayable second lien adds its own payment, which is not shown here. Consumer mortgage lending licensed in sixteen states. Lendmire is not affiliated with or acting on behalf of FHA, USDA, HUD, or the federal government.
Same buyer, four very different closings.
Down payment assistance is one of four ways a Logan buyer covers the minimum investment; each has a different cost after closing.
Assistance on a government loan, saving the minimum, or a gift.
The structure for a Logan buyer who qualifies for the payment but not the cash to close — the help is sized on the price and the option decides what, if anything, is owed afterward.
For a Logan, OH buyer with the cash in hand, the plain FHA purchase is the cleaner file; the assistance exists for the buyer who does not have it yet. For the first lien itself, see Lendmire’s FHA loan program.
USDA and HUD-184 first liens pair with the forgivable and repayable options, which then cover closing costs and prepaids rather than a down payment the first lien does not require. For the USDA first lien, see the USDA loan program.
Choose by what you have: cash for the minimum investment, family who can gift it, a USDA-eligible property, or none of those — the assistance is for the last case, and the most common one.
What to prepare for a Logan scenario review.
What a down payment assistance review usually starts with.
This is a general preparation guide, not a universal checklist. The selected lender may request additional information based on the mortgage, the assistance option, the property, and the eligibility category. Nothing here is legal or tax advice.
Local details that can change the loan.
Beyond the credit tier and the first lien, a handful of details decide which option a Logan buyer can use — or whether the assistance attaches at all.
Use these checks to keep the Logan file clean and fundable.
Three checks keep a Logan assistance file on track: know which option the credit tier opens, know which first lien the property can carry, and know the category that opens the nothing-to-repay option.
- Know the option: read the second lien as the loan it is.
- Confirm the category: identify the category that opens the nothing-to-repay option.
- Do not stack: expect no combination with other assistance.
The option decides what you owe afterward
Choose the shape before the amount: the forgivable options cover the minimum investment and cost nothing to carry when the first lien stays current; the repayable option covers more and is repaid; a nothing-to-repay option released at closing where it is offered.
The eligibility category for the nothing-to-repay option
The category is checked at application on the nothing-to-repay option, together with the signed assistance application and the education certificate; no option requires a first-time buyer, and the second-lien options carry no income limit.
No stacking with other assistance
No option may be combined with another down payment assistance program, and the nothing-to-repay option does not combine with a high-balance first lien; one assistance option, one first lien, one closing.
The forgiveness clock on the forgivable options
The clock starts at closing and runs with the first lien’s payments; a Logan buyer who plans to sell or refinance inside the period should expect the second lien to be paid at that point, since it is not resubordinated.
The mortgage and the county loan limit
A Logan buyer near the county loan limit should settle the first lien’s size first; a high-balance first lien narrows the options to the repayable ones, and the choice of USDA or HUD-184 narrows them further.
From a Logan pre-approval to keys with the assistance in place.
The process for a Logan, OH purchase with assistance is deliberate, because the details around the assistance are what stall closings.
Pick the option
Every Logan file starts with the option and the first lien; the category, the education course, and the property rules are then settled around them, in that order.
Get the mortgage approved
Lendmire packages the Logan file for the first lien first, because the assistance follows its approval; the option’s floor and the first lien’s rules both have to clear.
Clear the property
Property review runs in parallel with the first lien; the Logan home is checked against the option’s rules and the first lien’s, from the unit count to the association package.
Close both loans together
The Logan closing carries both instruments: the first lien and the assistance, each documented on its own and closed together, with the education certificate in the file where it applies.
A brokerage that pairs the assistance to the loan.
Lendmire built its consumer practice around the buyers these programs exist for, which is why the options, the categories, and the property rules are familiar ground rather than surprises.
The option, matched to the buyer
Lendmire reads the options offered in Ohio against a Logan buyer’s credit, first lien, property, and category before anything is ordered, and names the fit by cost to carry.
The mortgage, matched to the property
FHA, USDA, or HUD-184 is chosen with the Logan property — its address, its unit count, its type — so the assistance option that pairs with it is the one that attaches.
The right wholesale program
Assistance programs differ across wholesale lenders in what they offer and where; Lendmire places a Logan, OH file where its credit, its first lien, and its property read best, subject to lender program eligibility.
Trusted by first-time buyers & families alike.
Logan down payment assistance FAQs
Plain answers to the questions Logan buyers ask most about down payment assistance, before you request a review. Every file is underwritten individually; nothing here is a commitment.
Do I have to be a first-time homebuyer?
No option requires it. A Logan buyer who has owned before qualifies for the second-lien options on credit, first lien, and property alone, and for the nothing-to-repay option through any of the other categories.
Is there an income limit?
A Logan buyer above the area income limit still reaches the nothing-to-repay option through an occupation, a first purchase, or the tract, and reaches the second-lien options regardless of income.
What first-time home buyer programs are available in Logan?
Four shapes paired with a government first lien: a nothing-to-repay option released at closing; forgivable second liens with no interest and no payment, released after an on-time payment period; a repayable second lien with a balloon that also reaches closing costs and prepaids; and a refinance-cost option for an existing FHA loan. The options table on this page shows what is offered in Ohio.
Do I have to pay the assistance back?
A nothing-to-repay option is released at closing with no lien and no payment. The forgivable second liens also cost nothing — no interest, no payment — as long as the first lien stays current through the forgiveness period, and they pair with USDA and HUD-184 first liens as well as FHA.
What credit score do I need?
It depends on the option. The lowest floor belongs to the nothing-to-repay option; the second-lien options start higher, and the first lien’s own rules apply on top.
Can the assistance cover closing costs too?
Closing-cost coverage lives on the repayable second lien; on a USDA first lien, which needs no down payment, the second-lien options cover closing costs and prepaids instead.
Which mortgages can the assistance be used with?
Government first liens only: FHA for every option, USDA and HUD-184 for the second-lien options.
What property types are eligible?
Single-family homes, FHA-approved condominiums, townhomes and planned developments, owner-occupied two-to-four-unit homes within each option’s limit, and manufactured homes on owned land — single-width on the nothing-to-repay option, double-width on the second-lien options. Unique property types are outside the second-lien options.
What does Lendmire do on a Logan first-time home buyer file?
The structural work: option, first lien, property, category, education, disclosures, closing. A Logan buyer brings the contract; Lendmire brings the fit.
Is there an option for refinancing?
Yes, a refinance-cost option: a repayable second lien sized as a share of the balance on an existing FHA loan, covering closing costs and keeping the first lien inside FHA leverage limits. It is not a streamline, and it cannot refinance a loan that already carries assistance.
Talk through a Logan assistance file before the contract is signed.
Request a scenario review with the price and the first lien in mind; Lendmire answers with the option, the floor, and what the file will need.
This guide covers Logan — for the statewide options, categories, and property rules, see Down Payment Assistance in Ohio, part of Lendmire’s down payment assistance program.
Also in Ohio: Steubenville · Toledo · Newark · Parma · FHA Loans · USDA Loans