CCHLA First Home Program
Forgivable loan · Forgiven over 5 yrs · Income limits
Single Family, Townhouse, PUD, Condo
See details Aug 2026
Down payment assistance · Oklahoma
Buying a home in Cleveland County, OK
1 county-wide program, 1 city with their own, plus 18 statewide and 62 nationwide.Cleveland has 1 program that covers the whole county and 1 city with a program of their own. On top of those, 18 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in ClevelandAnywhere in Cleveland County
1 program for every Cleveland address1 program that covers every Cleveland address
It is for first-time homebuyers and ask for a homebuyer class.This is run for the whole county, so a home in Norman, Moore or Noble can use it. It is for first-time homebuyers and ask for a homebuyer class.
Only inside city limits
1 city with their own program1 Cleveland city with their own program
For a home inside that city, on top of the county-wide 1.A city program is for a home inside that city. Buying there? It sits on top of the 1 county-wide program above.
The Cleveland marketThe Cleveland housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Cleveland
- 70.4% single-familysingle-family
- 2.9% townhousetownhouse
- 5.7% 2–4 units2–4 units
- 15.4% 5+ unitscondo & apartment buildings (5+ units)
- 5.6% mobile & othermobile home & other
Condos count. The one county-wide program and 0 of the 1 city program list condos as eligible. City of Norman Down Payment Assistance Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Cleveland’s homes were built
pre-19401970s2020+
32.5%
of Cleveland 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.
$97,300
HUD area median income, 4 people (FY2026)HUD area median income, Cleveland County, 4-person household (FY2026)
$77,068
Median household income (ACS 2024 5-year)Median household income in Cleveland (Census ACS 2024 5-year)
63.9%
of occupied homes are owner-occupied (Oklahoma: 65.8%)
The two income figures measure different things. HUD’s area median income is the one programs use. 16 of the 82 programs here set their income limit as a share of Cleveland County’s area median income, adjusted for household size. See the published limits for Cleveland County
Free help in ClevelandFree help in Cleveland
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 local programs here ask 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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Cleveland questions
Can I use a county program anywhere in Cleveland?
The 1 county-wide program cover homes anywhere in the county. City programs, like Norman’s, are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Cleveland County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Cleveland programs accept condos?
The one county-wide program and 0 of the 1 city program list condos as eligible. City of Norman Down Payment Assistance Program lists single family. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Cleveland?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
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), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.