Seneca-Cayuga Nation NAHASDA Down Payment Assistance
Assistance grant · New construction · Income limits
Down payment assistance · Delaware County
Buying a home in Jay, OK
1 county program and 18 statewide.Jay has no program of its own, 1 across Delaware 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 Jay
No program of Jay’s own yet
No program run for Jay alone is listed. A home in Jay can use Delaware County’s programs below, plus the Oklahoma statewide and federal ones.
The closest city that runs its own program is Tulsa, about 69 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in DelawareAnywhere in Delaware County
1 county program1 county program a Jay homebuyer can use
The Jay marketThe Jay housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Jay
- 72.9% single-familysingle-family
- 1.7% townhousetownhouse
- 6.3% 2–4 units2–4 units
- 9.7% 5+ unitscondo & apartment buildings (5+ units)
- 9.3% mobile & othermobile home & other
About condos. Jay’s one local program does not list condos as eligible. Seneca-Cayuga Nation NAHASDA Down Payment Assistance lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Jay’s homes were built
pre-19401970s2020+
57.4%
of Jay 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.
$75,200
County area median income, 4 people (HUD)HUD area median income, Delaware County, 4-person household (2026)
$38,094
Jay median household incomeMedian household income in Jay (Census, 2024)
16 of the 81 programs here set their income limit as a share of Delaware County’s area median income, adjusted for household size. See the published limits for Delaware County
Free help nearbyFree help near Jay
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
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
80 statewide & federal programs18 statewide programs, plus federal options
Jay questions
Does Jay have its own down payment program?
No program run for Jay alone is listed. A home in Jay can use the 1 program that cover Delaware County and the 18 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Jay?
Jay’s one local program does not list condos as eligible. Seneca-Cayuga Nation NAHASDA Down Payment Assistance 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 Delaware County?
Each program sets its own. 16 of the programs here set theirs as a share of HUD’s area median income for Delaware 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 Jay?
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
74346
Nearby in Delaware
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.