Oklahoma first-time home buyer programs
Oklahoma Housing Finance Agency lists 1 program that help buyers in Oklahoma with the down payment or closing costs. Amounts and terms are shown as the agency publishes them.
- Programs from the agency
- 1
- Biggest amount listed
- 3.5% of the loan
- First-time buyers only
- None of them
- Income caps
- Up to $150,000
Down payment assistance programs in Oklahoma
| Program | Amount | Grant or loan | Income limit | First-time buyers only |
|---|---|---|---|---|
| OHFA Homebuyer Down Payment Assistance. With an OHFA 30-year fixed-rate FHA, HUD-184, USDA-RD, VA, or conventional loan from an OHFA lending partner; credit score 640+; price limit varies by product, county, and family size. | Up to 3.5% of the home loan | Deferred loan: 0% second loan with no monthly payments. You repay it when you sell, refinance, move out, pay off your home loan or the loan term ends. | Varies by loan, county and family size, for example $150,000 a year. | No |
Usually, "first-time buyers only" means you haven't owned a home during the past three years, though every program sets a rule of its own. The name of each program links to a Oklahoma Housing Finance Agency page that says whether applications are open right now. The agency also maintains its own list of participating lenders. Compare down payment assistance programs across all states, or ask a lender that works with Oklahoma's programs.
How do you repay Oklahoma's programs?
- Deferred loan: nothing to pay each month, but the full amount comes due when you sell, refinance or pay the first mortgage off.
How does your income compare with Oklahoma's caps?
Every program has its own income cap, which the table shows, and the exact chart is on that program's agency page. Use the HUD income limits lookup (FY2026) to find the figure for your county and household size. If a program relies on its own county chart or Freddie Mac's, the result can differ from HUD's number, and the agency's chart decides.
| HUD area | Median family income | HUD low-income limit |
|---|---|---|
| Oklahoma City | $97,300 | $77,850 |
| Tulsa | $95,000 | $76,000 |
| Grady County | $96,000 | $76,800 |
| Enid | $87,000 | $69,600 |
| Cotton County | $84,500 | $67,600 |
Talk to a lender that works with Oklahoma programs
These programs are paid out through the agency's approved lenders, so the lender is your next step. Tell us where you're buying and a lender that works with Oklahoma's programs can explain which ones fit you.
Rather not call? Send your details and the lender will reach you.
Are you buying near a state border?
Arkansas, Colorado, Kansas, Missouri, New Mexico, Texas or programs for all 50 states plus DC.