OHFA Special Rates: OHFA 4 Schools (formerly OHFA 4Teachers) and OHFA Shield · Logan County
Logan County: down payment help for first-time buyers
Guthrie, Crescent, Langston and Cedar Valley buyers in schools or public safety can pair OHFA's Gold rate cut with 3.5% of the loan.
SeatGuthrie
People55,473
Income cap, 3+$112,355
House price cap$349,525
What buying looks like in Logan County
Logan County has about 55,000 residents north of Oklahoma City, with Guthrie as the seat. Guthrie Public Schools and Crescent Public Schools are the main districts for OHFA 4 Schools.
The Guthrie Police and Fire Departments are city employers and fit Shield's wording directly. Logan County Sheriff's Office deputies should run the question past a lender.
Logan County shares the Oklahoma City-area limit, so an Edmond or OKC worker buying in Guthrie keeps the same income ceiling.
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.
OHFA HOME Down Payment Assistance via NHS Oklahoma (Cleveland, Logan, Pottawatomie counties)
Limited money
Cleveland, Logan and Pottawatomie counties (outside City of Norman HOME area)
For
Low-income homebuyers in those counties
Kind
Loan paid back later, no monthly bill
Income cap
HOME 80% AMI
Also note
OHFA HOME rules: 0% loan with recapture, principal residence for the affordability period, written agreement
Award approved May 2026 for 10 homebuyers total. Per-buyer amount and intake details are not published; contact NHS Oklahoma (405-231-4663).
Nearly every down payment program wants you to finish a homebuyer class before you close. These HUD-approved agencies close to Logan County teach one, or sit down with you for pre-purchase counseling:
Agency
Town
How far
What they offer
Languages
How they teach
Community Action Agency of Oklahoma City and Oklahoma/Canadian Counties, Inc.
Pulled from HUD's list of housing counseling agencies. Programs don't all accept the same classes.
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:
Guthrie Public Schools
Crescent Public Schools
Guthrie Police Department
Guthrie Fire Department
Logan County Sheriff's Office
Guthrie and Crescent school staff and Guthrie officers and firefighters can ask for the special rate. The full list of eligible jobs
Questions about Logan County
Is Logan County's limit the same as Oklahoma County's?
Yes: $97,700 for 1-2 people and $112,355 for 3 or more.
Can a Guthrie firefighter use Shield?
Yes. Guthrie's fire department is municipal.
Do I need a real estate agent?
Not required, but OHFA Blue Ribbon agents have taken OHFA's DPA continuing-education course.
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.
