Oklahoma offers 28 down payment assistance programs to help homebuyers cover their down payment and closing costs. This includes 12 grant programs that never require repayment. Programs range from statewide options administered by the state housing finance agency to local city and county programs targeting specific communities.
Maximum assistance available reaches $50,000 through the most generous program. Credit score requirements start as low as 640 for some programs. Most programs require the home to be your primary residence, and many require homebuyer education.
Top Down Payment Assistance Programs in Oklahoma
Highlighted programs that combine high assistance amounts with statewide or major-metro availability. See the full list below.
Opendoor
openNeighborhood Housing Services Oklahoma
$50,000
Down Payment Assistance Program
openCity of Oklahoma
$23,000
Home III Construction
openCitizen Potawatomi Nation Housing Department
$20,000
Down Payment Assistance
openConfederated Tribes of Grand Ronde - Housing
20 (max $20,000)
Neighborhood Housing Services of Oklahoma DPA
verifyNeighborhood Housing Services of Oklahoma (NHS Oklahoma)
$1,000 to $18,000
Grant Programs (12)
Grants are the gold standard of down payment assistance. You receive the money and never have to pay it back.
Down Payment Assistance Program
City of Oklahoma
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Yes
Home III Construction
Citizen Potawatomi Nation Housing Department
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Not specified
Down Payment Assistance
Confederated Tribes of Grand Ronde - Housing
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Yes
Down Payment & Closing Cost Grant
Comanche Nation Housing
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Not specified
Down Payment and Closing Cost Assistance Program
Housing Authority of Seminole Nation of Oklahoma
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, Manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Yes
Housing Partners of Tulsa DPA Program
Housing Partners of Tulsa, Inc.
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Per program guidelines
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Not specified
Repayment Terms
Grant - no repayment required
Additional Requirements
Must complete 8-hour homeownership course (3 sessions). Buyer must provide 1% of purchase amount
Notes
Must not have owned primary residence in past 3 years. Occupancy requirement: Primary residence within Tulsa city limits
Down Payment and Closing Cost Assistance Grant
Chickasaw Nation
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4, USDA-RD +3
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Yes
Down Payment & Closing Cost Assistance
Citizen Potawatomi Nation Housing Department
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Not specified
REI Oklahoma Down Payment Assistance
REI Oklahoma
Eligibility Snapshot
- First-Time Buyer
- Not specified
- Income Limit
- Income limits apply
- Min Credit Score
- 640+
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Not specified
Repayment Terms
Gift (Grant). No lien filed, no second mortgage, no repayment required.
Notes
Check program requirements. Occupancy requirement: Primary residence. Max DTI: 45%
OCHFA Turnkey Plus GRANT Program
Oklahoma County Home Finance Authority
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, 2 units, 3 units, 4 units, Condominium, Townhouse/PUD
- Max Price
- $510,939
Quick Facts
- Loan Types
- FHA, VA, USDA-RD, Freddie Mac
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Yes
REI Home100 Conventional Loan Program - Freddie Mac - Gift
REI Oklahoma
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, 2 units
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Yes
REI Home100 Government Loan Program - Gift
REI Oklahoma
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, 2 units, Condominium, Townhouse/PUD, Manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, VA, HUD, USDA-RD
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- No
Forgivable Loans (3)
Forgivable loans are forgiven after a set period of living in the home. If you stay, you keep the money.
Neighborhood Housing Services of Oklahoma DPA
Neighborhood Housing Services of Oklahoma (NHS Oklahoma)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Income-qualified (specific limits not pu...
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Repayment Terms
Varies by specific funding source; subject to 5-year retention agreement
Additional Requirements
Must complete NHS homebuyer education course
Notes
First-time homebuyers or those who haven't owned in 3 years, in Oklahoma, Canadian, Logan, and Kingfisher counties. Occupancy requirement: Primary residence
Cleveland County First Home Homebuyer Assistance
Cleveland County Home Loan Authority
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Varies
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Not specified
Repayment Terms
Forgivable loan. Fully forgiven after 5 years.
Additional Requirements
Below-market fixed interest rate included
Notes
First-time homebuyers purchasing within Cleveland County (Norman, Moore, etc.). Occupancy requirement: Primary residence
Tulsa County First Home Program
Tulsa County Home Finance Authority (TCHFA)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Per program income limits
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Not specified
Repayment Terms
Fully forgiven after 5 years of occupancy
Additional Requirements
Below-market fixed-rate mortgage (5.83% as of Dec 2024). $25 million in mortgage revenue bonds backing the program. Must use approved lender from myfirsttulsacountyhome.com
Notes
First-time homebuyer required. Exceptions for Veterans and buyers in qualifying census tracts.. Occupancy requirement: Primary residence; must stay 5 years for full forgiveness
Deferred Payment Loans (13)
Deferred loans require no monthly payments while you live in the home. You repay when you sell, refinance, or move out.
Opendoor
Neighborhood Housing Services Oklahoma
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family
- Max Price
- $250,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
1% higher than first mortgage rate
Repayment Terms
2nd mortgage 15 year fixed rate
Oklahoma City HOME program
Community Action Agency
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $280,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Forgivable - Fully forgiven at closing or forgiven on a schedule
City of Edmond Homebuyer Assistance
City of Edmond
Eligibility Snapshot
- First-Time Buyer
- Not specified
- Income Limit
- Low-moderate income
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Not specified
Interest Rate
0%
Repayment Terms
0% interest deferred loan. Repayment due when property is sold, refinanced, or no longer owner-occupied.
Notes
Check program requirements. Occupancy requirement: Primary residence
Oklahoma/Canadian counties HOME program
Community Action Agency
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $280,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Forgivable - Fully forgiven at closing or forgiven on a schedule
Homebuyer Assistance Program
Midwest City
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Homepath
Neighborhood Housing Services Oklahoma
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family
- Max Price
- $250,000
Quick Facts
- Loan Types
- Fannie Mae
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
.5% higher than first mortgage rate
Repayment Terms
amortizing loan
OHFA Dream loan Program
Oklahoma Housing Finance Agency
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- $453,100
Quick Facts
- Loan Types
- FHA, VA, USDA-RD, Freddie Mac, Fannie Mae, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Not specified
Repayment Terms
Deferred Payment - Repayment at sale or refinance
OHFA Gold loan Program
Oklahoma Housing Finance Agency
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- $427,198
Quick Facts
- Loan Types
- FHA, VA, USDA-RD +1, Freddie Mac, USDA-RD +3, USDA-RD +2
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Not specified
Repayment Terms
Deferred Payment - Repayment at sales or finance
REI Home100 Conventional Loan Program - Fannie Mae - Forgivable 2nd Mortgage
REI Oklahoma
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, 2 units
- Max Price
- Not specified
Quick Facts
- Loan Types
- Fannie Mae
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
REI Home100 Conventional Loan Program - Freddie Mac/Fannie Mae - Amortizing 2nd Mortgage
REI Oklahoma
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, 2 units
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, Fannie Mae +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
REI Home100 Government Loan Program - FHA or HUD-184 Hybrid (Gift + Amortizing Second Loan)
REI Oklahoma
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, 2 units, Condominium, Townhouse/PUD, Manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, HUD
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- No
Interest Rate
5% Fixed Interest Rate
Repayment Terms
Gift plus Fully Amortizing Second Loan
Chenoa Fund FHA Down Payment Assistance Forgivable
CBC Mortgage Agency (Chenoa Fund)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, 2 units, Leasehold, Condominium, Townhouse/PUD, Manufactured
- Max Price
- $766,550
Quick Facts
- Loan Types
- FHA
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Chenoa Fund FHA Down Payment Assistance Repayable
CBC Mortgage Agency (Chenoa Fund)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, 2 units, Leasehold, Condominium, Townhouse/PUD, Manufactured
- Max Price
- $766,550
Quick Facts
- Loan Types
- FHA
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
Note rate 1% above the first mortgage note rate
Repayment Terms
This loan does require a monthly payment on the second mortgage.
How to Apply for Down Payment Assistance in Oklahoma
-
1
Check Your Eligibility
Use our free eligibility tool to see which programs match your situation. Enter your state, city, income, and target home price.
-
2
Contact the Program Administrator
Each program has its own application process. Visit the program website or call the administering agency to get started. Many programs work through approved lenders.
-
3
Get Pre-Approved with a Participating Lender
Not every lender participates in every DPA program. Work with a lender who is approved for the programs you want. The program administrator can provide a list of approved lenders.
-
4
Complete Homebuyer Education (If Required)
Many programs require a HUD-approved homebuyer education course. Online options through eHome America and Framework are accepted by most programs.
-
5
Close & Move In
DPA funds are typically disbursed at closing alongside your first mortgage. Your lender coordinates the DPA program paperwork as part of the loan process.
Frequently Asked Questions
How much down payment assistance can I get in Oklahoma?
Up to $50,000 through available programs in Oklahoma. Multiple programs can often be combined for even more assistance. The exact amount depends on your income, location, and the specific program requirements.
Do I need to be a first-time homebuyer?
Not always. 15 programs in Oklahoma are open to repeat buyers. "First-time buyer" is typically defined as not having owned a home in the past three years.
What credit score do I need?
As low as 640 for some programs. Most programs require 620-660. Higher credit scores may qualify you for more programs and better terms.
Can I combine multiple DPA programs?
In many cases, yes. Some programs are specifically designed to be layered with others. For example, you might combine a state grant with a local deferred loan. Check with each program administrator about stacking eligibility.
DPA Programs in Nearby States
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