hey prescott

Down payment assistance

Down payment assistance in Oklahoma

Statewide and federal programs every Oklahoma buyer can consider — plus a city-by-city directory below. Free to explore, no credit pull.

Statewide + federal
67

Statewide + federal

Open to first-time buyers
21

Open to first-time buyers

Forgivable
55

Forgivable

Largest award
$20,000

Largest award

67 programs

Across Oklahoma

18 programs

FHLB Dallas Homebuyer Equity Leverage Partnership (HELP) - Oklahoma

Federal Home Loan Bank of Dallas (via participating member financial institutions)

Up to $20,000

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026

FHLBank Topeka Homeownership Set-Aside Program (HSP) - Oklahoma

FHLBank Topeka (via participating member financial institutions)

Up to $15,000

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026

ONAC Down Payment Assistance Program

Oklahoma Native Assets Coalition, Inc. (ONAC)

Up to $14,000

Assistance grant · Forgiven over 5 yrs · Income limits

Verified Jun 2026

Osage Nation Down Payment Assistance Program

Osage Nation Housing Department

Up to $5,500

Assistance grant · Income limits

First-time
Verified Jun 2026

Chickasaw Nation Down Payment and/or Closing Cost Assistance Grant

Chickasaw Nation Division of Housing

Up to $5,000

Assistance grant · Income limits

Verified Jun 2026

Citizen Potawatomi Nation One-Time Grant (Down Payment / Closing Cost Assistance)

Citizen Potawatomi Nation Housing Department

Up to $2,125

Assistance grant · New construction · Income limits

Verified Jun 2026

Choctaw Homebuyer Advantage Program (CHAP)

Choctaw Home Finance Corporation

First mortgage

First mortgage · Income limits

Verified Jun 2026

Choctaw Nation Down Payment / Closing Cost Assistance (Second Mortgage)

Choctaw Home Finance Corporation

Assistance

Second mortgage · Income limits

Verified Jun 2026

OCHFA Turnkey Plus GRANT Program

4% of price

Assistance grant · New construction · Income limits

Veterans

OHFA Dream Loan Program

3.5% of price

Assistance grant · New construction · Income limits

First-timeTargeted areaVeterans

OHFA Gold 4Schools

3.5% of price

Second mortgage · New construction · Income limits

Targeted areaEducators
Verified Jun 2026

OHFA Gold Loan Program

3.5% of price

Assistance grant · New construction · Income limits

Veterans

OHFA Gold Shield

3.5% of price

Second mortgage · New construction · Income limits

Targeted area
Verified Jun 2026

REI Home100 Conventional Loan Program - Fannie Mae - Forgivable 2nd Mortgage

5% of price

Forgivable loan · Forgiven over 7 yrs · Income limits

Veterans
Verified Jun 2026

REI Home100 Conventional Loan Program - Freddie Mac - Gift

3.5% of price

Assistance grant · New construction · Income limits

Veterans
Verified Jun 2026

REI Home100 Conventional Loan Program - Freddie Mac/Fannie Mae - Amortizing 2nd Mortgage

5% of price

Assistance grant · New construction · Income limits

Veterans

REI Home100 Government Loan Program - FHA or HUD-184 Hybrid (Gift + Amortizing Second Loan)

5% of price

Assistance grant · New construction · Income limits

Targeted areaVeterans

REI Home100 Government Loan Program - Gift

3.5% of price

Assistance grant · New construction · Income limits

Veterans
Verified Jun 2026

Federal

49 programs

American Pacific Mortgage 1% Home Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide

American Pacific Mortgage Pathway DPA

Deferred

Deferred second loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026

BluePoint Mortgage Zero-Down Home Loan

0.035% of price

Deferred second loan · Income limits

Nationwide
Verified Jun 2026

BNY Down Payment Assistance

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026

Chico Rancheria Housing Corporation Homebuyer Assistance

0.25% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

Confederated Tribes of Grand Ronde Down Payment Assistance

0.2% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

CrossCountry Mortgage Community Promise

Grant

Assistance grant · Income limits

NationwideTargeted area

CrossCountry Mortgage Non-QM loans

Grant

Assistance grant

Nationwide
Verified Jun 2026

CrossCountry Mortgage Smart Start Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-timeNationwideTargeted area

Direct Mortgage Loans Go Direct FHA 100% Financing

0.035% of price

Deferred second loan · Income limits

Nationwide

Empowered DPA Program Down Payment Assistance

Deferred

Deferred second loan · Income limits

Nationwide
Verified Jun 2026

Guild Mortgage 1% Down Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

Guild Mortgage 3-2-1 Home Plus Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026

Guild Mortgage Doctor and Medical Professionals Program

Grant

Assistance grant

Nationwide

Guild Mortgage MyPath2Own Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-timeNationwide

Guild Mortgage Zero Down Mortgage Program

Deferred

Deferred second loan · Income limits

First-timeNationwideTargeted area

Lakeview National Down Payment Assistance Homeownership Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026

Land Home Financial Services, Inc. House2Home Program

Deferred

Deferred second loan · Income limits

Nationwide

Lennar Mortgage Advantage Plus Program

Grant

Assistance grant · New construction

Nationwide
Verified Jun 2026

Lennar Mortgage Breathe Easy Program

Grant

Assistance grant · New construction

Nationwide

Luminate Bank Luminate PATH National DPA Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026

NACA Homeownership through Public Housing Assistance (HOT-PHA)

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

NACA's New Construction Homes

Grant

Assistance grant · New construction · Income limits

Nationwide

NASA FCU $0 Down, No PMI Mortgage Purchase

Grant

Assistance grant

Nationwide
Verified Jun 2026

Navy Federal Credit Union Homebuyers Choice Loan

Grant

Assistance grant

First-timeNationwideVeterans
Verified Jun 2026

Navy Federal Credit Union Military Choice Loan

Grant

Assistance grant

NationwideVeterans
Verified Jun 2026

New American Funding Pathway to Homeownership

Grant

Assistance grant · Income limits

First-timeNationwide

North Fork Rancheria Indian Housing Authority Down Payment Assistance Program

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

Northern Circle Indian Housing Authority Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

Northpointe Bank ONE+ Loan Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

PNC Bank Low to Moderate Income Borrower Grant

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026

PNC Bank PNC Grant

Grant

Assistance grant · Income limits

NationwideTargeted area
Verified Jun 2026

Primary Residential Mortgage Down Payment Program

Deferred

Deferred second loan · Income limits

Nationwide
Verified Jun 2026

Primary Residential Mortgage Inc. Welcome Home Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026

Rocket Mortgage ONE+ By Rocket Mortgage Program

0.02% of price

Assistance grant · Income limits

Nationwide
Verified Jun 2026

Siletz Tribal Housing Department Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

State Department Federal Credit Union First-Time Homebuyer Mortgage

Grant

Assistance grant

First-timeNationwide
Verified Jun 2026

Tricon Down Payment Assistance Program

Deferred

Deferred second loan · Income limits

Nationwide

Tyndall Federal Credit Union $1,000 Off Closing Cost

Grant

Assistance grant

Nationwide
Verified Jun 2026

Tyndall Federal Credit Union $450 Closing Cost

Grant

Assistance grant

Nationwide
Verified Jun 2026

U.S. Department of Housing and Urban Development (HUD) Good Neighbor Next Door

0.5% of price

Assistance grant · Forgiven over 3 yrs · Income limits

NationwideEducators
Verified Jun 2026

U.S. Department of Housing and Urban Development (HUD) Section 184 Indian Home Loan Guarantee Program

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026

U.S. Department of Housing and Urban Development HCV Homeownership Program

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

U.S. Department of the Interior Indian Affairs Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

U.S. Department of Veterans Affairs Native American Direct Loan

Grant

Assistance grant · Income limits

NationwideVeterans
Verified Jun 2026

U.S. Department of Veterans Affairs Specially Adapted Housing (SAH) Grant

Grant

Assistance grant · Income limits

NationwideVeterans

U.S. Department of Veterans Affairs VA-backed Purchase Loan

Grant

Assistance grant · Income limits

NationwideVeterans
Verified Jun 2026

USDA Rural Development Single Family Housing Guaranteed Loan Program

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026

USDA Single Family Housing Direct Home Loan (Section 502 Direct)

USDA Rural Development (Vermont/New Hampshire State Office)

First mortgage

First mortgage · New construction · Income limits

Nationwide
Verified Jun 2026

90-second match

Not sure which you qualify for?

Answer 9 questions and we'll match you to every program you can actually use — in about 90 seconds. No SSN, no credit pull.

Find my programs