VA Loans in Ohio

Ohio's homestead exemption includes an enhanced version for veterans with a total service-connected disability, with no income test. The federal VA loan benefit is the same in every state: eligible buyers can buy with no down payment and competitive rates.

Ohio benefits for veterans

Property tax relief for veterans

Honorably discharged veterans rated totally disabled by the VA, or compensated at the total disability rate including through individual unemployability, may qualify for an enhanced homestead exemption that reduces the taxable value of their home by more than the standard exemption.

There's no income limit for this version, and a qualifying surviving spouse can continue to receive it.

How to apply: File with the county auditor by the end of the year.

VA loan basics

The essentials that apply in Ohio and every other state.

VA Loan Requirements & EligibilityThe benefit is earned through service. You'll need a Certificate of Eligibility, a home you'll live in, and a loan that fits your budget.Read more VA Loan BenefitsBuy with no down payment and competitive rates, with no prepayment penalty and a benefit you can use again.Read more VA Loan Costs & FeesThe main VA-specific cost is a one-time funding fee. Many borrowers are exempt, and it can often be rolled into the loan.Read more Types of VA LoansUse the benefit to buy a home, lower the rate on a current VA loan, or turn home equity into cash.Read more

Read the full VA loan guide · Choose a different state

Talk to a loan officer

Questions about VA loans in Ohio?

A Fidelity loan officer can talk through your eligibility and options one-on-one.

This page is for informational purposes only and is not a commitment to lend or an offer of credit. Program availability, terms and eligibility vary and are subject to change. Fidelity Funding Bancorp is not affiliated with or endorsed by the U.S. Department of Veterans Affairs or any government agency. Chu & Associates, Inc. DBA Fidelity Funding Bancorp. NMLS ID# 1076900. All loans are subject to credit approval, underwriting guidelines and property eligibility. Not available in all states.