Last checked November 2026
Which Oklahoma programs are open right now?
A running count of Oklahoma homebuyer help. We follow 17 programs and note which are taking applications, which are low on money, and the biggest ones you can still apply for.
The biggest programs still taking applications
| Program | Where | How much |
|---|---|---|
| Citizen Potawatomi Nation One-Time Grant (and Home Purchase Mortgage Buy-Down) | CPN jurisdiction (Shawnee/Tecumseh area) | 2019 article: grant up to $20,000 for homes over $60,000 or up to 25% of price under $60,000 |
| Education Begins With Home | Tulsa: Tulsa Public Schools, Union Public Schools, Tulsa Legacy Charter, KIPP Tulsa, Tulsa School of Arts and Sciences, College Bound Academy, Tulsa Honor Academy, Under the Canopy, Crossover Preparatory Academy | Up to $50,000 forgivable down payment assistance plus a below-market 30-year fixed Habitat mortgage and closing cost help |
| Cherokee Nation Mortgage Assistance Program (MAP) | Cherokee Nation Reservation (northeast Oklahoma) | Up to $20,000 down payment assistance plus credit coaching |
| City of Oklahoma City Down Payment Assistance (DPA) Program | City of Oklahoma City (inside program boundary map) | Up to $18,000 for down payment/closing costs plus up to $5,000 reserved for interest-rate buydown, based on need |
| City of Norman Strong Neighborhoods Initiative Down Payment Assistance | City of Norman: Old Silk Stocking, First Courthouse and Original Townsite neighborhoods | Up to $14,999 per household |
| City of Lawton First-Time Homebuyer Program | City of Lawton (inside city limits) | Up to $14,999.99 based on need |
| Oklahoma/Canadian Counties HOME Down Payment Assistance | Oklahoma County and Canadian County | Up to $14,249 |
| Osage Nation Down Payment Assistance (NAHASDA), plus DPASS and tribally funded DPA | Oklahoma | $5,500 per selected applicant toward down payment, closing costs or other purchase expenses |
Sorted by the top dollar figure each program lists. Programs paid as a percent can come out bigger on pricier homes.
Closed, on a waitlist, or running low
You can't count on these to accept an application today. Ask for an alert and we'll tell you when one opens up again.
| Program | Where it stands | |
|---|---|---|
| OHFA HOME Program Homebuyer Assistance (through local nonprofits/CHDOs/tribes) | Limited money | |
| Osage Nation Down Payment Assistance (NAHASDA), plus DPASS and tribally funded DPA | Limited money | |
| Choctaw Nation Down Payment/Closing Cost Assistance (second mortgage) and Choctaw Homebuyer Advantage Program (CHAP) | Limited money | |
| City of Oklahoma City Down Payment Assistance (DPA) Program | Limited money | |
| Oklahoma/Canadian Counties HOME Down Payment Assistance | Limited money | |
| City of Norman Strong Neighborhoods Initiative Down Payment Assistance | Limited money | |
| OHFA HOME Down Payment Assistance via NHS Oklahoma (Cleveland, Logan, Pottawatomie counties) | Limited money | |
| Tulsa County Home Finance Authority First Home Program | Limited money | |
| City of Lawton First-Time Homebuyer Program | Limited money |
What kinds of help are out there
| How the help works | Number of programs |
|---|---|
| Loan that is forgiven over time | 6 |
| Grant, nothing to pay back | 4 |
| Loan paid back later, no monthly bill | 3 |
| Something else | 2 |
| Loan with a monthly payment | 1 |
In Oklahoma, most of this help is a loan of some kind. A forgivable loan goes away if you live in the house long enough. A deferred loan comes due when you sell or refinance. Work out what you'd owe if you sold early.
Which ones fit you?
The program matcher narrows this list to your county and job, and a loan officer confirms what you can actually get. No charge, no credit pull.
