Oklahoma and Canadian Counties HOME Down Payment Assistance
Up to $14,249 in forgivable help for low- and moderate-income buyers in Oklahoma County and Canadian County, run by the Community Action Agency of Oklahoma City.
Oklahoma/Canadian Counties HOME Down Payment Assistance
Limited money
Oklahoma County and Canadian County
For
Low/moderate-income buyers in Oklahoma and Canadian counties
How much
Up to $14,249
Kind
Loan that is forgiven over time
Income cap
HUD low/moderate income (80% AMI) guidelines
Price cap
Canadian County $204,000 existing / $251,000 new construction
Only for first-timers?
No
Also note
HUD-certified homebuyer education workshop; buyer contributes 1%; 5-year affordability period, forgiven if owner-occupied; no FEMA flood zone
First-come first-served, subject to funds. Funding source likely OHFA HOME but not stated on the page.
Heads up. Oklahoma/Canadian Counties HOME Down Payment Assistance has a set pot of money that can run dry. We can let you know when the next batch is released.
The basics
This assistance comes from the Community Action Agency of Oklahoma City and Oklahoma/Canadian Counties. The maximum is $14,249. It is forgivable: live in the home as your residence for the five-year affordability period and you owe nothing. The agency's page does not name the funding source; it is likely OHFA HOME money, but that is not stated. Money goes out first-come, first-served while it lasts.
Eligibility in Oklahoma and Canadian counties
Household income must meet HUD's low/moderate (80% of area median) guidelines. You do not need to be a first-time buyer. In Canadian County the price can be no more than $204,000 for an existing home or $251,000 for new construction. You also need to:
finish a HUD-certified homebuyer education workshop,
put in 1% of your own funds, and
avoid FEMA flood zones.
Buyers inside Oklahoma City's boundary map may also look at the City's own program, which has a separate application and its own price limits. The two differ in size and timeline: the City pays up to $18,000 plus up to $5,000 for a rate buydown with a 10-year forgiveness period, while this county program tops out at $14,249 with a five-year period. The county page lists price caps for Canadian County only; ask the agency for the Oklahoma County figure. In Canadian County, the $204,000 existing-home cap sits far below OHFA Gold's $349,525 statewide limit, so it is the number that shapes your search.
Stacking with a statewide loan
Like other city and county help, this sits behind a separate first mortgage. OHFA Gold Government loans (FHA, VA, USDA, HUD 184) need OHFA's sign-off for any added second lien, and the Freddie Mac version of Gold does not allow one. A participating lender confirms whether this program and your chosen first mortgage can close together. Learn how forgivable help differs from OHFA's repayable 3.5% in this explainer.
Getting started
Contact the Community Action Agency (405-232-0199) to ask whether funds are open and to book the education workshop, then get pre-approved with a lender who knows the program. Browse nearby options on the Oklahoma County and Canadian County pages, or check your 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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