Open year-round: OHFA 4 Schools and OHFA Shield cut 0.125% off the Gold rate and add 3.5% down payment helpAm I eligible?
(800) 555-0100 Do I qualify?

OHFA Special Rates: OHFA 4 Schools (formerly OHFA 4Teachers) and OHFA Shield · Garfield County

Garfield County: down payment help for first-time buyers

Enid-area teachers, school staff, police, firefighters and EMTs can get 0.125% off OHFA's Gold rate plus 3.5% of the loan.

SeatEnid
People61,779
Income cap, 3+$113,498
House price cap$349,525

What buying looks like in Garfield County

Garfield County, with about 62,000 people, is built around Enid. Garber, Waukomis and Drummond are the smaller towns. Enid Public Schools and Chisholm Public Schools are the main districts for OHFA 4 Schools.

For Shield, the Enid Police Department and Enid Fire Department are city employers. Garfield County Sheriff's Office deputies should ask a lender. If you serve a volunteer fire department around the smaller towns, that service qualifies.

Garfield County's limit is higher than many rural counties and close to Tulsa's, which helps two-income households.

The caps in Garfield County

Household of 1 or 2Household of 3+House price cap
$98,694$113,498$349,525

Garfield County's Gold limit is $98,694 for 1-2 people and $113,498 for 3 or more. Caps for the rest of Oklahoma · Figure your budget

More help around Garfield County

We could not find a program just for Garfield County at the moment. The statewide choices still work here, and the full Oklahoma list has all of them.

Homebuyer classes near Garfield County

HUD's list doesn't show an approved counseling agency within 50 miles of Garfield 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:

  • Enid Public Schools
  • Chisholm Public Schools
  • Enid Police Department
  • Enid Fire Department
  • Garfield County Sheriff's Office

Enid and Chisholm school employees and Enid police and firefighters fit the special-rate rules. The full list of eligible jobs

Questions about Garfield County

Is Garfield County's limit close to Tulsa's?

Yes. It's $113,498 for 3+, slightly above Tulsa County's $113,245.

I'm a volunteer firefighter near Waukomis. Do I qualify?

Yes, OHFA Shield includes people currently serving a volunteer fire department.

What credit score do I need?

A 640 middle score at minimum.

Nearby counties: Oklahoma County Tulsa County Cleveland County Canadian County Comanche County Rogers County Wagoner County Payne County Every county