First mortgage
Choctaw Homebuyer Advantage Program (CHAP)
Income limits · Single Family
Down payment assistance · Choctaw County
Buying a home in Hugo, OK
2 Hugo programs and 16 statewide.Hugo has 2 programs of its own, and 16 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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Hugo’s own programs
Second mortgage
Choctaw Nation Down Payment / Closing Cost Assistance (Second Mortgage)
Income limits · Single Family
The Hugo marketThe Hugo housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Hugo
- 65.6% single-familysingle-family
- 1.7% townhousetownhouse
- 17.3% 2–4 units2–4 units
- 11.3% 5+ unitscondo & apartment buildings (5+ units)
- 4% mobile & othermobile home & other
About condos. None of Hugo’s 2 local and county programs list condos as eligible. Choctaw Homebuyer Advantage Program (CHAP) lists single family. Choctaw Nation Down Payment / Closing Cost Assistance (Second Mortgage) lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Hugo’s homes were built
pre-19401970s2020+
59.4%
of Hugo 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.
$65,200
County area median income, 4 people (HUD)HUD area median income, Choctaw County, 4-person household (2026)
$33,917
Hugo median household incomeMedian household income in Hugo (Census, 2024)
15 of the 80 programs here set their income limit as a share of Choctaw County’s area median income, adjusted for household size. See the published limits for Choctaw County
Free help nearbyFree help near Hugo
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Create a free account to see who’s near you and pick one.A HUD-approved counselor teaches homebuyer classes 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
78 statewide & federal programs16 statewide programs, plus federal options
Hugo questions
Does Hugo have its own down payment program?
Yes, 2: Choctaw Homebuyer Advantage Program (CHAP) and Choctaw Nation Down Payment / Closing Cost Assistance (Second Mortgage). Each is for homes inside Hugo.
Can I use assistance on a condo in Hugo?
None of Hugo’s 2 local and county programs list condos as eligible. Choctaw Homebuyer Advantage Program (CHAP) lists single family. Choctaw Nation Down Payment / Closing Cost Assistance (Second Mortgage) 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 Choctaw County?
Each program sets its own. 15 of the programs here set theirs as a share of HUD’s area median income for Choctaw 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 Hugo?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Hugo. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
74743
Nearby in Choctaw
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.