Get down payment assistance in KETTERING oh OH / Montgomery County. First time home buyer Shirley was looking for a KETTERING oh home for sale in the $50,000.00 price range. With a tight housing market, low inventory and competition from other buyers it is more important than ever to work with a real estate and lender team that understands the local market and current down payment programs. Your KETTERING oh, Ohio lender and real estate team will help you through all the hurdles of making your home purchase.