OHFA Special Rates: OHFA 4 Schools (formerly OHFA 4Teachers) and OHFA Shield · Comanche County
Comanche County: down payment help for first-time buyers
Lawton-area teachers, school staff, police, firefighters and EMTs can get 0.125% off OHFA's Gold rate and 3.5% help toward closing.
SeatLawton
People122,158
Income cap, 3+$104,300
House price cap$349,525
What buying looks like in Comanche County
Comanche County has about 122,000 residents, centered on Lawton with Elgin, Cache, Fletcher and Sterling around it. Lawton Public Schools, Elgin Public Schools and Cache Public Schools are the main districts for OHFA 4 Schools.
The Lawton Police Department and Lawton Fire Department are municipal employers that match Shield's wording. Comanche County Sheriff's Office staff should confirm with a lender. If you also have military service, VA is one of the Gold loan options.
Comanche County's income limit is lower than the metro counties, so check yours early. Some census tracts in the county are federally targeted, with higher limits and a $427,198 price cap.
Local programs like these can sometimes go on top of the state program, or stand in for it. Each one keeps its own rules, so your loan officer sorts out which of them play well together.
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.
HUD's list doesn't show an approved counseling agency within 50 miles of Comanche County. Most programs will take a HUD-approved class you finish online, and your loan officer can tell you which one yours accepts.
Which class counts for you? Ask a loan officer who handles Oklahoma programs. They will name the right class and can get your pre-approval rolling in the same conversation. Start my check
Local employers that count
A few of the eligible employers around here:
Lawton Public Schools
Elgin Public Schools
Cache Public Schools
Lawton Police Department
Lawton Fire Department
Comanche County Sheriff's Office
Lawton teachers and support staff, Lawton police and firefighters, and EMTs at an EMS provider all fit the rules. The full list of eligible jobs
Questions about Comanche County
Why is Comanche County's limit lower than Tulsa's?
OHFA sets limits by county. Comanche County's is $104,300 for 3+, versus $113,245 in Tulsa County.
Can I use a VA loan with the special rate?
Yes. VA is one of the Gold loan types, along with FHA, USDA, HUD 184 and conventional.
Are there targeted tracts in Comanche County?
OHFA names Comanche among counties with targeted census tracts. A lender checks the address.
Hi there, I'm Kelly. See if you're eligible for down payment assistance in Oklahoma. A couple of minutes is all it takes, and I'll point you the right way.
