Send Us the County, the Household and the Address
Program and regulatory figures verified October 6, 2026. Details change; confirm your scenario with us.
The fastest route to a real answer is your county, how many people are in the household, and the address you are looking at.
What should I send?
County, household size, roughly what you earn, and the address if you have one in mind. Whether you have owned before, and whether you still own anything.
★ The address is the item that does the most work, because a targeted census tract raises the income limit and removes GOLD's first-time requirement. We check it before you write an offer, not after. Why it matters.
One question worth volunteering
If you are a teacher, law enforcement officer, firefighter, EMT or state employee, say so. OHFA names those roles as possibly qualifying for a special rate on GOLD, and it is not something that surfaces unless someone raises it. Detail.
What comes back?
Which OHFA programme fits, what the 3.5% covers at your numbers, and an honest read on whether assistance is the right route for you at all. If your savings already cover closing, we will say that rather than add a lien you do not need.
We will also tell you what the second costs you later, because it comes back on sale or refinance and that belongs in the decision now. How it works.
Do you lend across all of Oklahoma?
Yes, all 77 counties. Conforming limits are $832,750 and the FHA floor $541,287 everywhere in the state — no Oklahoma county is high-cost. What varies is the income limit and whether the tract is targeted. The county table.
Outside the metros, much of the state is USDA-eligible, and a USDA first with OHFA assistance on top is often the strongest structure available. Worth asking about if you are looking beyond Oklahoma City or Tulsa.
Frequently asked questions
How do I apply for down payment assistance in Oklahoma?
Through a lender that originates OHFA loans. Send your county, household size, approximate income and the address you are considering, and we can tell you which programme fits and what the 3.5% covers before you start looking seriously.Do you lend across all of Oklahoma?
Yes, all 77 counties. Conforming limits of $832,750 and the FHA floor of $541,287 apply statewide with no high-cost counties. What changes by location is the income limit and whether the census tract is targeted.How quickly will someone respond?
Our team reviews every Oklahoma scenario and reaches out shortly, usually with which OHFA programme fits and an honest read on whether assistance is right for your file. If something is time sensitive, calling (480) 296-6513 is faster than the form.Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content about financing, not a loan commitment and not tax or legal guidance. OHFA program terms, income limits and purchase price limits are set by the Oklahoma Housing Finance Agency and change; figures here carry the date we verified them against OHFA's published documents. OHFA down payment assistance is a repayable subordinate mortgage, not a grant. Federal recapture tax may apply on GOLD bond loans; consult a tax advisor. Loans are subject to borrower and property qualification.