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Save My Home > Hardest Hit Funds

Save the Dream Ohio: Foreclosure Prevention Effort


Having Trouble Paying Your Mortgage? We're Here to Help.

Find out if you qualify by clicking here.

Save the Dream Ohio is administered by the Ohio Housing Finance Agency (OHFA) and funded by the U.S. Department of the Treasury's Hardest Hit Fund. Save the Dream Ohio works with approved housing counseling agencies to help homeowners get the assistance they need to avoid foreclosure.

 Am I Eligible?

You may qualify if you can answer yes to the following questions.

  • Is your household income below $112,375?
  • Do you owe less than $432,500 on your mortgage?
  • If you have filed bankruptcy in the past, has the bankruptcy been discharged?

How Much Assistance is Available?

Every home owner's situation is different, so the amount of assistance you may receive will be specific to your needs. The maximum amount of assistance is $35,000 and the average amount is $14,400.


How Can Save the Dream Ohio Help Me?

Depending on your circumstances, Save the Dream Ohio may:

  • Bring your delinquent first mortgage current
  • Make your mortgage payments for up to 9 months

How Do I Apply?

After you answer some eligibility questions, you must complete an application for assistance and gather some documentation. We strongly encourage you to meet with a housing counselor.


What Happens Next?

If you qualify for assistance, OHFA will request approval from your mortgage lender/servicer. If your servicer approves, OHFA will schedule a closing when you will sign documents to establish your Save the Dream Ohio assistance forgivable loan.


What Else Do I Need to Know?

Save the Dream Ohio works with nonprofit housing counseling agencies and does not charge a fee for its services. Beware of calls and other solicitations from companies offering to assist you in return for payment. If you are not sure whether an agency is legitimate, call Save the Dream Ohio at 888-404-4674.