Tulsa County (includes Tulsa, Broken Arrow (Tulsa County part), Owasso, Bixby, Jenks)
Tulsa County Home Finance Authority First Home Program
First-time buyers in Tulsa County using an FHA, VA or USDA-RD loan can get 3.5% of the note as a 0% interest second mortgage forgiven after five years.
Tulsa County Home Finance Authority First Home Program
Limited money
Tulsa County (includes Tulsa, Broken Arrow (Tulsa County part), Owasso, Bixby, Jenks)
For
First-time buyers (including all spouses) using FHA, VA or USDA-RD loans through participating lenders
How much
3.5% of the total note
Kind
Loan that is forgiven over time
Only for first-timers?
Yes
Also note
Min FICO 620; homebuyer education required; no non-occupant co-borrowers; 60 days from reservation to loan purchase
0% interest second forgiven after 5 years. 2025A offering at 6.350% for FHA/VA/USDA; page (modified Aug 24, 2026) says a waitlist is available for fallout, suggesting funds may be fully reserved. Income/price limits are in a linked PDF not read this session. Alternative to OHFA Gold, not a layer.
Heads up. Tulsa County Home Finance Authority First Home Program has a set pot of money that can run dry. We can let you know when the next batch is released.
How First Home works
The Tulsa County Home Finance Authority offers this program through participating lenders, with eHousingPlus as administrator. You take an FHA, VA or USDA-RD first mortgage from the program (the 2025A offering lists 6.350%) and receive 3.5% of the total note as a second mortgage at 0% interest, forgiven after five years. The program page, last modified August 24, 2026, says a waitlist is available for fallout, which suggests current funds may be fully reserved. Ask a lender where the waitlist stands before counting on it.
Who qualifies in Tulsa County
The home must be in Tulsa County, which takes in Tulsa, Owasso, Bixby, Jenks and the Tulsa County part of Broken Arrow. Every borrower, including all spouses, must be a first-time buyer. Other rules:
Minimum credit score 620.
Homebuyer education is required.
No non-occupant co-borrowers.
The loan must be purchased within 60 days of reservation.
Income and price limits are set out in a separate PDF from the administrator; your lender will check them against your household.
First Home vs. OHFA Gold
First Home is its own first-mortgage program, so it is an alternative to OHFA Gold (the loan behind 4 Schools and Shield), not an add-on. The key difference is repayment: First Home's 3.5% is forgiven after five years, while OHFA's 3.5% is repaid when you sell or refinance, though OHFA adds a 0.125% rate cut for school employees and first responders. REI Home100 is a third statewide choice, with gift income limits in Tulsa County of $142,500 for 1-2 people and $166,250 for 3+, compared with OHFA Gold Government limits of $98,474 and $113,245. Other Tulsa-area help is narrower: Education Begins With Home serves classroom teachers at listed schools, and Housing Partners of Tulsa (918-581-5711) offers homebuyer counseling and classes for low- and moderate-income families. Compare them in grant vs. forgivable vs. repayable help.
How to apply
Find a participating Tulsa County HFA lender through eHousingPlus, complete the homebuyer class, and have the lender reserve funds or place you on the waitlist. See more Tulsa-area options on the Tulsa County page or check eligibility.
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