OK Shield
OK Shield is a deferred 2nd 0.5% 20-yr from OHFA. Available statewide in Oklahoma. Up to $18,000 toward a home purchase. First-time buyer status is not required. Income limit: 110% AMI.
Up to $18,000
Listed as open as of May 2026
Available statewide in Oklahoma.
| First-time buyer | Not required |
|---|---|
| Income limit | 110% AMI |
| Minimum credit score | 660 |
| Maximum DTI | 52% |
| Homebuyer education | Required (HFA-approved (Framework, eHome, NeighborWorks, etc.)) |
| Occupations | First responders OK |
| Property types | SFR, condo |
| Occupancy | Owner-occupied primary |
| Eligible loan products | Conv |
| Sales price cap | $380K |
| Repayment | 0.5% deferred 20-yr |
| Stacking | First responders |
Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.
Provider: OHFA · program details at the provider’s site.
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