City of Norman: Old Silk Stocking, First Courthouse and Original Townsite neighborhoods
City of Norman Strong Neighborhoods Initiative Down Payment Assistance
Up to $14,999 per household, forgiven after five years, for buyers at or below 80% of median family income who buy in one of three central Norman neighborhoods.
City of Norman Strong Neighborhoods Initiative Down Payment Assistance
Limited money
City of Norman: Old Silk Stocking, First Courthouse and Original Townsite neighborhoods
For
Households at or below 80% MFI buying a primary residence in one of the three SNI neighborhoods
Same parameters as the OKC/NHS program; live in the home 5 years for full forgiveness; minimum property standards; no 100-year flood zone; buyer gets own mortgage from any lender
Norman FY2026-27 Action Plan says the City still offers it using prior-year HOME funds. Original Aug 2024 contract K-2425-20 funded $80,000 for 8 households, so funds are small. No dedicated city web page found.
Heads up. City of Norman Strong Neighborhoods Initiative Down Payment Assistance has a set pot of money that can run dry. We can let you know when the next batch is released.
Three neighborhoods, one program
Norman targets this help at the Old Silk Stocking, First Courthouse and Original Townsite neighborhoods. Neighborhood Housing Services Oklahoma runs it for the City using federal HOME funds. The award is up to $14,999. Stay in the home five years and the full amount is forgiven. The City's FY2026-27 Action Plan says it still offers the program with prior-year HOME money, but the pool is small: the original August 2024 contract funded $80,000 for eight households, and the City has no dedicated web page for it.
Who is eligible
Your household must be at or below 80% of median family income. The 2025 Cleveland County figures were $62,550 for two people, $78,150 for four and $90,700 for six. The home must be your primary residence inside one of the three neighborhoods. You do not need to be a first-time buyer. The house must meet minimum property standards and cannot sit in a 100-year flood zone.
Your mortgage and other help
You get your own first mortgage from any lender, and the Norman assistance follows the same parameters as the NHS program in Oklahoma City. If you plan to use an OHFA Gold Government loan, OHFA must approve the extra second lien, and Gold's Freddie Mac version does not allow it; a participating lender confirms what will work. Note how the income caps compare: Norman's 80% MFI limit ($78,150 for four) is well under OHFA Gold's Cleveland County limit of $112,355 for 3+ people and REI Home100's $170,275, so a household that earns too much for this program may still fit a statewide one. Elsewhere in the county, NHS Oklahoma also holds a separate OHFA HOME award for Cleveland, Logan and Pottawatomie counties. Outside these neighborhoods, Cleveland County buyers have other choices on the Cleveland County page.
How to apply
Call Neighborhood Housing Services Oklahoma at 405-231-4663, ask whether Norman funds remain, and confirm the address is inside a qualifying neighborhood before you make an offer. Then line up pre-approval. The step-by-step buying guide shows where the class and approvals fit, and the eligibility check covers the state program too.
Questions about City of Norman Strong Neighborhoods Initiative Down Payment Assistance
Which Norman neighborhoods qualify?
Old Silk Stocking, First Courthouse and Original Townsite.
How much can I get in Norman?
Up to $14,999 per household, forgiven if you live in the home for five years.
Is Norman's program still funded?
The City's FY2026-27 Action Plan says it is still offered using prior-year HOME funds, but funding is small, so ask NHS Oklahoma whether money remains.
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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