CARD Homebuyer Down Payment Assistance Program
Assistance grant · New construction · Income limits
Down payment assistance · Rogers County
Buying a home in Chelsea, OK
1 county program and 18 statewide.Chelsea has no program of its own, 1 across Rogers County, and 18 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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What’s local to Chelsea
No program of Chelsea’s own yet
No program run for Chelsea alone is listed. A home in Chelsea can use Rogers County’s programs below, plus the Oklahoma statewide and federal ones.
The closest city that runs its own program is Tulsa, about 41 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in RogersAnywhere in Rogers County
1 county program1 county program a Chelsea homebuyer can use
The Chelsea marketThe Chelsea housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Chelsea
- 73.3% single-familysingle-family
- 0.5% townhousetownhouse
- 5.7% 2–4 units2–4 units
- 3.3% 5+ unitscondo & apartment buildings (5+ units)
- 17.2% mobile & othermobile home & other
About condos. Chelsea’s one local program does not list condos as eligible. CARD Homebuyer Down Payment Assistance Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Chelsea’s homes were built
pre-19401970s2020+
65.8%
of Chelsea homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$95,000
County area median income, 4 people (HUD)HUD area median income, Rogers County, 4-person household (2026)
$50,875
Chelsea median household incomeMedian household income in Chelsea (Census, 2024)
15 of the 81 programs here set their income limit as a share of Rogers County’s area median income, adjusted for household size. See the published limits for Rogers County
Free help nearbyFree help near Chelsea
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Chelsea’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.CARD Homebuyer Down Payment Assistance Program asks for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Oklahoma and nationwide
80 statewide & federal programs18 statewide programs, plus federal options
Chelsea questions
Does Chelsea have its own down payment program?
No program run for Chelsea alone is listed. A home in Chelsea can use the 1 program that cover Rogers County and the 18 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Chelsea?
Chelsea’s one local program does not list condos as eligible. CARD Homebuyer Down Payment Assistance Program lists single family. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Rogers County?
Each program sets its own. 15 of the programs here set theirs as a share of HUD’s area median income for Rogers County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Chelsea?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
74016
Nearby in Rogers
Sources
Sources: agency sites (June–August 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.