As James says portions of Montgomery County are eligible. If you are looking at a home west of Diamond Mill Road the property is likely eligible for the Zero Down USDA Rural home program. The link below will provide you with additional information on the USDA Home Loans that are available to home buyers in Rural America. There is also a link to the State of Ohio's First time buyers program that does offer USDA Financing. There may also be Down Payment assistant Funds available to you. The best thing to do is to contact a lender that is familar with all of the loan programs that are available. You will find my contact information on the link.