Northwest Dayton Pathway to Homeownership Program

Interested in owning your own home? We have an opportunity designed to assist you in making that happen! You may be eligible if you are a first-time buyer and your family income is at or below 120% Area Median Income (chart below).

The Northwest Dayton Pathway to Homeownership program (Pathway) is a partnership between County Corp and key community organizations and foundations to develop homeownership opportunities for qualified first-time, income-eligible buyers. Our goal is to build 30 new homes in Northwest Dayton to help alleviate the region’s housing shortage and to create opportunities for families to build generational wealth through homeownership. This effort is conducted in parallel with other community initiatives designed to strengthen neighborhoods and families.

The Pathway Program leverages residential lots donated by the Montgomery County Land Bank and the City of Dayton and a public/private/philanthropic funding stack to build new single-family homes in target neighborhoods. Interested individuals may receive individualized coaching and advising that will prepare them for homeownership, and guide them on the financial path to becoming mortgage ready. Down payment assistance may be provided to ensure affordability.

To participate in the program, individuals or households must meet eligibility requirements and agree to certain restrictions on the use and sale of the property (deed restrictions).

  • Must be at or below 120% area median income for Montgomery County.  Please see 120% Area Median Income Chart by Household Size below.
  • Must be a first-time homebuyer (or have not owned a home within the past three years).
  • Must commit to completing the required financial literacy program, including:
    • 8 hour homebuyer education
    • 1-2 hour homebuyer counseling
    • Post-purchase home maintenance class

Locations and Available Homes

Northwest Dayton Pathway homes will be built in the following neighborhoods:

  • Fairview – First five homes available.

AVAILABLE PATHWAY HOMES

ADDITIONAL HOMEBUYING OPTIONS

  • Pathway participants, upon meeting the program requirements, are eligible to move forward with the purchase of any home they qualify for. These include not only Pathway homes, but also those available on the open real estate market as well as those being constructed as part of the following housing programs, where buyers can purchase new construction and fully renovated homes in select neighborhoods. Each of these program’s qualifications and focus are slightly different. Please see the descriptions below for more information.
  • Welcome Home Ohio (Montgomery County Land Bank) – Currently focused on new construction and completely rehabbed properties in Northwest Dayton’s Madden Hills, Fairview, and Wolf Creek neighborhoods. For more information on the Land Bank’s Welcome Home Ohio program click here: https://mclandbank.com/welcome-home-ohio-program/

Interested in buying through the Northwest Dayton Pathway to Homeownership Program?

Learn More and Get Started!

Frequently Asked Questions

What down payment or closing cost assistance is available?

Eligible Pathway program buyers may receive down payment and closing cost assistance from a variety of local, state and federally funded sources to ensure affordability. Additional restrictions may be applied dependent on the amount and source of assistance.

Can I pick the house I want?

County Corp cannot commit to holding property. Once your application has been approved you will be able to select from the AVAILABLE PROPERTIES and make an offer to purchase. At the time the offer is accepted by County Corp, the property will be held for you to allow for closing.

When will new homes be posted on the website?

New homes will be posted as building sites are confirmed and floor plans are determined.

Do I need a realtor to purchase a Pathway home?

A Realtor is not required to make an offer on a Pathway home. However, Buyers may benefit from having an experienced Realtor involved in the process.

How are the prices of Pathway homes established?

Prices for Pathway homes are established based on market data (Real Estate Broker’s price opinion and Appraisals). The listing price for each home is established at the start of construction and may fluctuate dependent on market conditions until a home is placed under a purchase contract.

What are deed restrictions?
Deed Restrictions are designed to encourage owner-occupied homes and include the following:
  • The owner must occupy the house as their primary residence.
  • No portion of the house can be leased or rented.
  • For a period of 10 years, owner may only sell or transfer home to an owner occupant with a household income at or below 120% of the area median income. Income limits are updated annually by HUD. After 10 years the property may be sold to anyone without an affordability restriction.
  • If down payment assistance is provided, depending on the source and amount of that assistance, the owner may be subject to additional deed restrictions.
Where can I get more information to find out if the Pathway Program is right for me?

Once you fill out this brief form (Learn More and Get Started!) our Homeownership Coordinator will reach out to you!

For general inquiries on homebuying process or eligibility: scfhome@wpcu.coop or (937) 782-5747

Partners

The Pathway Program would not be possible without our partners!

County Corp leads the program and manages aspects related to development, construction, and sales to new homeowners.

WPCU Sunshine Community Fund – the giving arm of Wright-Patt Credit Union (SCF) provided substantial seed funding to get the Northwest Dayton Pathway program off the ground and staffs our Homeownership Coordinator at Omega Community Development Corporation’s Hope Center. Additionally, Wright-Patt Credit Union is providing a component of down payment assistance through grants provided by the SCF.

Omega CDC provides a myriad of outreach, resources, and connections to support the citizens of Northwest Dayton in achieving their dreams.

Learn to Earn Dayton realizes that kids’ academic and life success are inexplicably linked to family and neighborhood stability.

The Montgomery County Land Bank and the City of Dayton assist in the transfer of neighborhood properties for our Pathway home sites.

The Homeownership Center, a program of County Corp, delivers services related to homebuyer education and readiness.

CityWide Development assists with data, mapping, and the coordination of numerous neighborhood enhancement programs in the region.

Ohio Housing Finance Agency offers a single-family tax credit program that serves as part of the key financing stack that makes the Pathway program possible.

Additional support for the Northwest Dayton Pathway program is provided by the CenterPoint Energy Foundation, PNC Bank Foundation, The Dayton Foundation, and the Ohio Department of Development.

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