Up to $14,999.99, based on need, for households at or below 80% of area median income buying their first home inside Lawton city limits.
City of Lawton First-Time Homebuyer Program
Limited money
City of Lawton (inside city limits)
For
Households at or below 80% of area median income buying inside Lawton city limits
How much
Up to $14,999.99 based on need
Kind
Loan paid back later, no monthly bill
Income cap
80% AMI (page links a 2021 income chart)
Price cap
No stated cap; PITI plus utilities limited to 30% of gross income
Only for first-timers?
Yes
Also note
No home owned in last 3 years (exceptions); homeowner education class; $25 fee (money order/bank check), hand-delivered application; 45 days to find a home after eligibility notice; City inspection; no floodplain or airport clear zone
Half is a repayable loan with small monthly payments and half is forgivable if owner-occupied. First-come first-served.
Heads up. City of Lawton First-Time Homebuyer Program has a set pot of money that can run dry. We can let you know when the next batch is released.
A split loan: half repaid, half forgiven
Lawton's Housing & Community Development office runs this assistance. The award is up to $14,999.99 depending on need. Half is a repayable loan with small monthly payments; the other half is forgivable as long as you live in the home. That makes it different from most Oklahoma programs, which are either fully forgiven or fully deferred, so budget for the monthly payment on the repayable half when you size your house payment. Funding is first-come, first-served.
Who qualifies in Lawton
Income must be at or under 80% of area median income (the City's page links a 2021 chart, so ask for current figures). You must not have owned a home in the last three years, with some exceptions. There is no stated price cap, but your house payment (principal, interest, taxes, insurance) plus utilities cannot exceed 30% of gross income. The home must be inside Lawton city limits, pass a City inspection, and be outside floodplains and the airport clear zone.
To see how the 30% rule plays out, take an illustrative household earning $4,000 a month before taxes: the house payment and utilities together would need to stay at or below $1,200. For comparison, OHFA Gold Government income limits in Comanche County are $89,400 for 1-2 people and $104,300 for 3+, with the $349,525 statewide price cap.
Applying, step by step
Take a homeowner education class.
Hand-deliver the application to 212 SW 9th St with the $25 fee by money order or bank check (580-581-3347).
Once you get an eligibility notice, you have 45 days to find a home.
The City inspects the property before closing.
Using it with OHFA Shield or 4 Schools
Lawton's help is a second lien behind your own mortgage. OHFA Gold Government loans (FHA, VA, USDA or HUD 184) require OHFA approval for an additional lien, and OHFA's Freddie Mac version does not allow one. A participating lender confirms whether Lawton's program works with the first mortgage you choose. More Comanche County options are on the Comanche County page, and the buying steps guide shows the timeline. Ready? Check eligibility.
Summarized from the program's official page as of November 2026. Money and rules change, so check the current terms with the program or a lender who takes part. Oklahoma Down Payment Assistance has no connection to this program.
Done. Your name is down.
Expect a heads-up when it reopens. Meanwhile, why not check what fits now?
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