Down payment assistance in Oklahoma

51 programs are listed for Oklahoma: grants, forgivable loans, deferred seconds, first mortgage products and tax credits from state, county, city, tribal, nonprofit and regional providers. Every amount and rule below comes from the provider’s published terms.

Browse by county

• Cleveland County
  1 local program
• Oklahoma County
  2 local programs
• Tulsa County
  1 local program

Statewide programs

• OK Advantage
  Deferred 2nd 0% 30-yr · Up to $25,000 · Oklahoma Housing Finance Agency
• OK Dream
  Deferred 2nd 0% 25-yr · Up to $20,000 · OHFA
• OK 4Teachers
  Grant · Up to $15,000 · OHFA
• OK Shield
  Deferred 2nd 0.5% 20-yr · Up to $18,000 · OHFA
• OHFA Gold Loan Program (Government & Conventional)
  First mortgage + 3.5% DPA grant · Amount varies by program · Oklahoma Housing Finance Agency (OHFA)
• OHFA Dream Loan Program (Government & Conventional)
  First mortgage + 3.5% DPA grant · Amount varies by program · Oklahoma Housing Finance Agency (OHFA)
• OHFA Shield (First Responders Special Rate)
  Discounted interest rate on Gold loan + 3.5% DPA · Amount varies by program · Oklahoma Housing Finance Agency (OHFA)
• OHFA 4 Schools (Educators & School Employees Special Rate)
  Discounted rate on Gold + 3.5% DPA · Amount varies by program · Oklahoma Housing Finance Agency (OHFA)
• OHFA State Employees Special Rate
  Discounted rate on Gold + 3.5% DPA · Amount varies by program · Oklahoma Housing Finance Agency (OHFA)
• Oklahoma Housing Stability Program (HSP) DPA
  Additional down payment assistance in select new-construction developments · Amount varies by program · Oklahoma Housing Finance Agency (OHFA)
• REI Home100 Down Payment Assistance Program
  Gift, forgivable 2nd, amortizing 2nd, or hybrid DPA · Amount varies by program · REI Oklahoma (statewide nonprofit)
• Choctaw Nation Down Payment / Closing Cost Assistance
  Second mortgage DPA · Amount varies by program · Choctaw Home Finance / Choctaw Nation of Oklahoma
• Citizen Potawatomi Nation Homebuyers Down Payment / Closing Cost Assistance
  One-time grant · Amount varies by program · Citizen Potawatomi Nation Housing Department
• Comanche Nation Down Payment & Closing Cost Grant
  Grant · Amount varies by program · Comanche Nation Housing Authority (CNHA)
• VA Home Loan Guaranty
  VA-guaranteed first mortgage · Amount varies by program · U.S. Department of Veterans Affairs
• FHA 203(b) Loan Program
  FHA-insured first mortgage · Amount varies by program · U.S. Department of Housing and Urban Development (FHA)
• OHFA Gold Loan Program
  deferred_loan · Up to 3.5% · Oklahoma Housing Finance Agency
• OHFA Dream Loan Program
  deferred_loan · Up to 3.5% · Oklahoma Housing Finance Agency
• Oklahoma Housing Stability Program (HSP)
  forgivable_loan · Amount varies by program · Oklahoma Housing Finance Agency
• REI Oklahoma Down Payment Assistance
  grant · Up to 5% · REI Oklahoma

County and city programs

• Oklahoma County HFA Turnkey Plus DPA Grant
  First mortgage + DPA grant · Amount varies by program · Oklahoma County Home Finance Authority (OCHFA)
• Oklahoma County HFA Mortgage Credit Certificate (MCC)
  Federal income tax credit (mortgage credit certificate) · Amount varies by program · Oklahoma County Home Finance Authority (OCHFA)
• City of Oklahoma City Homebuyer Down Payment Assistance (HOME)
  Forgivable 2nd mortgage · Amount varies by program · City of Oklahoma City Planning Dept. (admin: Neighborhood Housing Services Oklahoma & Community Action Agency)
• Neighborhood Housing Services Oklahoma DPA
  Forgivable 2nd mortgage - administration of HUD/HOME funds · Amount varies by program · Neighborhood Housing Services of Oklahoma (NHSOK)
• Tulsa County First Home Program
  Below-market first mortgage + forgivable 2nd · Up to $17,882 or Up to 3.5% · Tulsa County Home Finance Authority (TCHFA)
• Cleveland County First Home Homebuyer Assistance Program
  Below-market first mortgage + forgivable DPA · Amount varies by program · Cleveland County Home Loan Authority (CCHLA)
• City of Norman Down Payment Assistance Program
  Forgivable second mortgage · Amount varies by program · City of Norman (administered by Neighborhood Housing Services Oklahoma)
• City of Edmond First-Time Homebuyer Assistance Program
  Zero-interest deferred forgivable second mortgage · Amount varies by program · City of Edmond Community Development Department
• City of Lawton First-Time Homebuyers Program
  Forgivable second mortgage + deferred loan · Amount varies by program · City of Lawton Community Services Dept.
• Tulsa Habitat for Humanity Homeownership Program
  0% interest first mortgage + sweat equity · Amount varies by program · Tulsa Habitat for Humanity / Green Country Habitat
• Cherokee Nation Mortgage Assistance Program (MAP)
  Down payment assistance grant/loan · Up to $25,000 · Housing Authority of the Cherokee Nation (HACN)
• Choctaw Nation Homebuyer Advantage Program (CHAP)
  First mortgage program for tribal members · Amount varies by program · Choctaw Home Finance / Choctaw Nation of Oklahoma
• Chickasaw Nation Down Payment / Closing Cost Assistance Grant
  One-time grant · Amount varies by program · Chickasaw Nation Housing Counseling and Loan Services
• Muscogee (Creek) Nation Mortgage Down Payment & Closing Cost Program
  Down payment / closing cost assistance for first-time homebuyers · Amount varies by program · Muscogee (Creek) Nation Department of Housing
• Osage Nation Down Payment Assistance Program
  Down payment assistance · Amount varies by program · Osage Nation Housing
• Seminole Nation Lease Purchase Homeownership Program
  Lease-to-purchase (rent-to-own) · Amount varies by program · Housing Authority of the Seminole Nation of Oklahoma (HASNOK)
• HUD Section 184 Indian Home Loan Guarantee Program
  Government-guaranteed first mortgage · Amount varies by program · U.S. Department of Housing and Urban Development (HUD)
• USDA Rural Development Section 502 Direct Loan
  Direct first mortgage with payment subsidy · Amount varies by program · USDA Rural Development
• USDA Rural Development Section 502 Guaranteed Loan
  USDA-guaranteed first mortgage · Amount varies by program · USDA Rural Development (issued by approved lenders)
• HUD Good Neighbor Next Door (GNND)
  50% discount on HUD-owned home list price · Amount varies by program · U.S. Department of Housing and Urban Development (HUD)
• Sac and Fox Nation Housing Programs
  Low-Rent Program (lease-to-prepare-for-purchase) and Renovation Program · Amount varies by program · Sac and Fox Nation Housing Department
• Housing Partners of Tulsa First-Time Homebuyer Assistance
  Down payment / closing cost assistance · Amount varies by program · Housing Partners of Tulsa, Inc.
• Oklahoma City HOME Investment Partnerships DPA
  forgivable_loan · Up to $18,000 · City of Oklahoma City Planning Department
• Housing Partners of Tulsa DPA
  forgivable_loan · Up to $5,000 · Housing Partners of Tulsa, Inc.
• Norman Down Payment Assistance Program
  forgivable_loan · Up to $14,999 · City of Norman / Neighborhood Housing Services Oklahoma
• Edmond First-Time Homebuyers Program
  forgivable_loan · Up to $15,000 · City of Edmond
• Lawton First-Time Homebuyers Program
  forgivable_loan · Up to $15,000 · City of Lawton
• Chickasaw Nation DPA/CC Grant
  grant · Up to $3,000 · Chickasaw Nation Housing Services
• Choctaw Homebuyer Advantage Program (CHAP)
  second_loan · Amount varies by program · Choctaw Nation of Oklahoma
• Seminole Nation DP/CC Assistance
  grant · Amount varies by program · Housing Authority of the Seminole Nation of Oklahoma
• Muscogee (Creek) Nation NAHASDA Housing Assistance
  grant · Up to $1,200 · Muscogee Nation Department of Community and Human Services

National programs

38 federal and national programs apply in every state. See the national programs.