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Housing Services

Individual Development Account (IDA) Program

Through the Homeownership Individual Development Account (IDA) Program, participants benefit from a 2:1 matched savings account. Individuals enrolled in the program are provided with a $2,000 match for their savings of $1,000 for use towards a down payment or the closing costs for their newly purchased home. Participants receive financial education and planning assistance, homeownership and home maintenance education, as they work toward their goal of homeownership. Additionally, participants are given assistance with credit repair to help them become mortgage-ready.

Eligible individuals and families may work to build an account that may be used toward the purchase of a home in Montgomery County! First-time homeowners or those who have not owned a home in the past three years are eligible to apply.

For more information or to apply contact (937) 341-5000, ext. 182.

Click here for IDA information flyer

We’re looking for support! We currently have slots available for the IDA Program. However, we are pursuing additional funding to support and assist more aspiring homeowners throughout Montgomery County. If you would like more information on how you, your organization or institution can provide access to the American dream for families in the area, please contact us at (937) 341-5000, ext. 182 or

Homeowner Foreclosure Assistance Program

Community Action Partnership's Housing Department offers assistance if you are behind in your mortgage payment, or in jeopardy of losing your home due to a bad mortgage. We are a HUD-approved certified counseling agency. Our housing counselors are available to help eligible families keep their home by preventing home foreclosure and eviction. Our trained certified counselors assist families learn the facts about their mortgages and the options that may be available to assist. We represent families in negotiations with lenders, and provide assistance to homeowners to organize their finances.

Don't lose your home to foreclosure. Our housing counseling services are free. We have counseled hundreds of homeowners. We have gotten loan modifications and revised house payment plans for homeowners with their lenders. We will work to get you a fresh start with a new affordable mortgage. Yes, help is on the way, from the White House to the State House to your house. Community Action Partnership is here to help!

Please contact the Housing Department at 341-5000, ext. 181 for more information or to schedule an appointment.

Click here for Homeowner Foreclosure Prevention Brochure

Restoring Stability (through the Save the Dream Initiative)

The Housing Department is pleased to announce Restoring Stability: A Save the Dream Ohio Initiative. This program is set to help an estimated 26,000 families who are at high risk of default or foreclosure of their homes. Through the initiative, the State of Ohio has designed four programs to help homeowners who have a temporary or permanent reduction in income.

To learn more information about the four programs, and to submit an application visit If you would like to speak to a staff member directly, contact Wendy Carter at 341-5000, ext. 183 or

Housing Highlights E-Newsletter

Sign up now! CLICK HERE to join our mailing list to receive the Housing Highlights E-Newsletter, a monthly publication from the Community Action Partnership’s housing department.

Community Action Partnership
Montgomery County
719 S. Main Street
Dayton, OH 45402
(937) 341-5000

Download the IDA Program Brochure

Download the Homeowner Foreclosure Assistance Program Brochure


Community Action Partnership of the Greater Dayton Area • All Rights Reserved
Main Office: 719 South Main Street, Dayton, OH 45402 • 937-341-5000 •

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