Financial Assistance


The City of Kettering provides several financial tools to assist homebuyers and homeowners to reach their housing goals within the City. If you are looking to purchase your first home, finance repairs needed for your home or reinvest in your home by remodeling or expanding your living space, the City has a variety of programs available.

Key programs available are:

Down Payment Assistance (DPA) Program

Down Payment Assistance is available to eligible home buyers. Applicants for the program must income qualify and have a certificate of completion of an 8-hour HUD approved Home Buyer Course. The HomeOwnership Center of Dayton is a partner with the City of Kettering for this program. Visit our DPA page for income requirements and basic facts about the program.  For more information about their programs and course dates, please call 937-853-1615. You may also visit their web page at HomeOwnership Center of Greater Dayton.


Housing Rehabilitation Program

This program provides low-interest loans to income eligible homeowners to make needed repairs to their home. This program also provides deferred loans for qualified elderly and disabled. For more information about this program, please visit our Rehabbing a Home page or call our  Community Development Program Coordinator  at 296-3224 extension 4022.


Foreclosure Counseling

A recent survey released online by RealtyTrac showed that foreclosure rates in the Montgomery County, Ohio area were among the worst in the nation. The HomeOwnership Center (HOC) of Greater Dayton, a partner agency to the City of Kettering, provides foreclosure counseling and education services to current and potential Kettering homeowners. The HOC holds private counseling sessions in Kettering on the second and fourth Tuesdays of each month. For more information or to schedule an appointment, please contact Jackie Easter at the HomeOwnership Center, 937-853-1600.

Historic Preservation and Proposed Federally Funded Projects

Clearance for some Community Development projects must be obtained from the Ohio Historic Preservation Office prior to commitment of funds. Historic review of these projects must comply with Section 106 standards set by the Secretary of the Interior. Information regarding historic review for current or proposed projects is available at the City of Kettering Planning and Development Department. Questions, comments, or objections regarding historical preservation at proposed Community Development projects may be directed to the Community Development Program at 937-296-3020. Written comments may be submitted to the City of Kettering Community Development Program, Planning and Development Department, 3600 Shroyer Road, Kettering, Ohio 45429.

Services provided by the City of Kettering and the Planning & Development Department do not discriminate on the basis of age, handicap, race, sex, religion, ethnic background, family status or ancestry.

It is the policy of the City of Kettering to make all services accessible to all persons, in accordance with state and/or federal laws. If you have a disability that requires accommodation in order for you to participate in this program, please contact us at (937) 296-2441 or 800-750-0750 (TTY). Reasonable efforts shall be made to provide these accommodations.

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