Am I Eligible?

If you've already registered for the program you may log in to view your application.

Save the Dream Ohio connects homeowners with HUD approved housing counseling agencies, legal aid, and other resources to help homeowners prevent foreclosure. The State of Ohio is no longer accepting registrations for Save the Dream Ohio. Homeowners who registered by April 30 must work with their housing counselors to complete their applications by July 31; however, funding is not guaranteed for every application.

As of January 1, 2014 the Ohio Housing Finance Agency (OHFA) will no longer be accepting applicants who are returning for additional assistance through the Save the Dream Ohio Initiative. This will provide OHFA with additional time to assist other homeowners who have not yet been able to obtain assistance through our program.

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  1. Household income must be at or below $112,375.
  2. The amount you owe on the first mortgage on your home must be less than $432,500.
  3. You may not be in active bankruptcy.
  4. You may not have been convicted of a crime (felony larceny, theft, fraud, forgery, money laundering, tax evasion) related to a real estate transaction in the past 10 years.
  5. Your home must be a 1-4 unit, single-family home or a condominium.
  6. The home must be your primary residence, unless you are seeking assistance with a short sale or deed-in-lieu of foreclosure.
  7. If your home is mobile or manufactured, it must be titled as real estate.
  8. You must have experienced an involuntary* loss of income or significant medical expenses.

*Do I Have an Eligible Hardship

Involuntary Loss Of Income
Significant Medical Expenses
An involuntary loss of income means that you have lost 10 percent of your gross household income or more through no fault of your own, such as (but not limited to) loss or reduction in wages, death of a spouse, divorce, disability, injury or business failure. If you were fired from or quit your job and you are not eligible to receive unemployment benefits, then you are not eligible for cash assistance from Save the Dream Ohio. Not sure if your hardship qualifies? Contact your housing counselor for help. If you have experienced medical expenses totaling 7.5 percent or more of your gross annual household income, then you have a qualifying hardship for Save the Dream Ohio. To learn whether the expenses you have count, visit the IRS website and read Publication 502: Medical and Dental Expenses. It is okay if you did not claim your expenses on your tax return, but you may be asked to show bills or other documentation to prove that you incurred the expenses. Need help? Your housing counselor can assist you.