OHFA Special Rates: OHFA 4 Schools (formerly OHFA 4Teachers) and OHFA Shield · Carter County
Carter County: down payment help for first-time buyers
Ardmore, Lone Grove, Healdton, Wilson and Dickson buyers in schools or public safety can use OHFA's Gold special rate with 3.5% help.
What buying looks like in Carter County
Carter County, about 49,000 people, is centered on Ardmore. Ardmore City Schools, Plainview, Lone Grove and Dickson public schools are the districts for OHFA 4 Schools.
The Ardmore Police and Fire Departments are municipal employers, matching Shield. Carter County Sheriff's Office deputies should confirm with a lender. Volunteer firefighters around Healdton or Wilson also qualify.
Carter County's 3+ person limit is higher than both Oklahoma and Tulsa counties, which gives larger households here some extra room.
The caps in Carter County
| Household of 1 or 2 | Household of 3+ | House price cap |
|---|---|---|
| $97,920 | $114,240 | $349,525 |
Carter County's Gold limit is $97,920 for 1-2 people and $114,240 for 3 or more. Caps for the rest of Oklahoma · Figure your budget
More help around Carter County
We could not find a program just for Carter County at the moment. The statewide choices still work here, and the full Oklahoma list has all of them.
Homebuyer classes near Carter County
Nearly every down payment program wants you to finish a homebuyer class before you close. These HUD-approved agencies close to Carter County teach one, or sit down with you for pre-purchase counseling:
| Agency | Town | How far | What they offer | Languages | How they teach |
|---|---|---|---|---|---|
| Chickasaw Nation Division of Housing | Ada | 51 mi | homebuyer education class, pre-purchase counseling | English | Face to Face, Phone, Internet |
Pulled from HUD's list of housing counseling agencies. Programs don't all accept the same classes.
Local employers that count
A few of the eligible employers around here:
- Ardmore City Schools
- Plainview Public Schools
- Lone Grove Public Schools
- Dickson Public Schools
- Ardmore Police Department
- Ardmore Fire Department
- Carter County Sheriff's Office
Plainview and Lone Grove school staff and Ardmore officers and firefighters fit the rules. The full list of eligible jobs
Questions about Carter County
Why is Carter County's 3+ limit so high?
OHFA sets limits by county. Carter's is $114,240 for 3+, second only to Payne among counties here.
Does Plainview count?
Plainview Public Schools is an accredited public district, so its employees fit OHFA 4 Schools.
Is there a recapture tax?
Possibly, if you sell within nine years under certain conditions. It can't exceed 50% of your gain.
Nearby counties: Oklahoma County Tulsa County Cleveland County Canadian County Comanche County Rogers County Wagoner County Payne County Every county
