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Down payment assistance income limits in Oklahoma

60 down payment assistance programs in Oklahoma publish an income limit, a purchase price cap, or both.

Every figure below is the limit the administering agency publishes. Limits are revised as area incomes and local prices move, so confirm current figures with the agency before relying on them.

Area median income by county

HUD's published four-person area median income for each Oklahoma county. A program that sets its limit at a percentage of area median income applies that percentage to the figure for the county where the home is, adjusted for household size.

HUD four-person area median income by county in Oklahoma
CountyPublished4-person median
Adair2026$61,500
Alfalfa2026$93,500
Atoka2026$73,600
Beaver2026$76,900
Beckham2026$70,800
Blaine2026$79,900
Bryan2026$73,800
Caddo2026$71,800
Canadian2026$97,300
Carter2026$80,400
Cherokee2026$71,300
Choctaw2026$65,200
Cimarron2026$99,100
Cleveland2026$97,300
Coal2026$63,200
Comanche2026$79,600
Cotton2026$84,500
Craig2026$65,600
Creek2026$95,000
Custer2026$81,400
Delaware2026$75,200
Dewey2026$78,000
Ellis2026$78,100
Garfield2026$87,000
Garvin2026$75,600
Grady2026$96,000
Grant2026$78,400
Greer2026$73,400
Harmon2026$55,300
Harper2026$78,200
Haskell2026$65,600
Hughes2026$66,500
Jackson2026$85,200
Jefferson2026$61,700
Johnston2026$68,700
Kay2026$77,500
Kingfisher2026$82,100
Kiowa2026$61,800
Latimer2026$63,200
Le Flore2026$69,300
Lincoln2026$77,500
Logan2026$97,300
Love2026$78,800
Major2026$87,300
Marshall2026$68,600
Mayes2026$76,200
Mcclain2026$97,300
Mccurtain2026$70,600
Mcintosh2026$62,000
Murray2026$84,800
Muskogee2026$74,100
Noble2026$95,300
Nowata2026$70,900
Okfuskee2026$65,900
Oklahoma2026$97,300
Okmulgee2026$72,600
Osage2026$95,000
Ottawa2026$64,800
Pawnee2026$76,400
Payne2026$98,800
Pittsburg2026$74,600
Pontotoc2026$84,200
Pottawatomie2026$82,200
Pushmataha2026$64,900
Roger Mills2026$79,000
Rogers2026$95,000
Seminole2026$62,100
Sequoyah2026$76,800
Stephens2026$81,500
Texas2026$84,600
Tillman2026$67,200
Tulsa2026$95,000
Wagoner2026$95,000
Washington2026$84,500
Washita2026$77,900
Woods2026$88,500
Woodward2026$76,000

Published limits by program

Published income limits and purchase price caps by program in Oklahoma
ProgramIncome limitPrice cap
Absentee Shawnee Housing Authority (ASHA) Mortgage Assistance ProgramShawnee · Pottawatomie80% of area median incomeMust meet NAHASDA HUD income limits (80% AMI or below). Over-income applications may be considered under tribal-funded track.—
Caddo Nation Division of Housing Down Payment AssistanceGracemont · Caddo80% of area median incomeNAHASDA income limits apply (FY2025): 1 person $41,550; 2 persons $47,500; 3 persons $53,450; 4 persons $59,350; 5 persons $64,100; 6 persons $68,850; 7 persons $73,600; 8 persons $78,350.—
CARD Homebuyer Down Payment Assistance ProgramCatoosa · RogersSee programApplicants must meet HUD income guidelines; dollar amounts not published online and vary by county. Confirm with CARD.—
CCHLA First Home ProgramStatewide · Cleveland$102,945Non-Targeted 1-2 person: $89,500; Non-Targeted 3+ person: $102,945; Targeted 1-2 person: $107,400; Targeted 3+ person: $125,300. Source: CCHLA income/sales price limits sheet (ehousingplus.com), current revision.$510,939
Central Oklahoma Habitat for Humanity Affordable Homeownership ProgramOklahoma City · Oklahoma80% of area median incomeMaximum household income: 1-person $82,080; 2 $93,840; 3 $105,600; 4 $117,240; 5 $126,720; 6 $136,080; 7 $145,450; 8 $154,800. Minimum combined household income at least $49,000.$165,000
Cheyenne and Arapaho Tribes Housing Authority Down Payment/Closing Cost GrantConcho · Canadian80% of area median incomeHUD income guidelines required (80% AMI or below for NAHASDA track).—
Chickasaw Nation Down Payment and/or Closing Cost Assistance GrantAda · Statewide / Chickasaws At-LargeSee programNo income limit stated on the program page.—
Choctaw Homebuyer Advantage Program (CHAP)Hugo · Statewide (Oklahoma) / Choctaw Nation tribal membersSee programNo maximum income limit.—
Choctaw Nation Down Payment / Closing Cost Assistance (Second Mortgage)Hugo · Statewide (Oklahoma) / Choctaw Nation tribal membersSee programNo income limit stated for this program.—
Citizen Potawatomi Nation One-Time Grant (Down Payment / Closing Cost Assistance)Shawnee · Statewide (CPN members nationwide)80% of area median incomeNo income limit for enrolled CPN members. Non-member Native applicants must meet 80% national median income and be age 60+ within CPN jurisdiction.—
City of Edmond Homebuyer Assistance ProgramEdmond · Oklahoma County80% of area median incomeGross household income must be below HUD LMI limits. FY2025: 1-person $54,500; 2-person $62,300; 3-person $70,100; 4-person $77,850; 5-person $84,100; 6-person $90,350; 7-person $96,550; 8-person $102,800—
City of Lawton First-Time Homebuyers ProgramLawton · Comanche80% of area median incomeTotal household gross income <=80% AMI for Lawton/Comanche County, adjusted by household size. Dollar amounts in the Downloads section; confirm with HCD.—
City of Norman Down Payment Assistance ProgramNorman · Cleveland80% of area median income<=80% AMI (Taxable Gross Income method). Cleveland/Logan County limits (eff 06/01/2024): 1 $54,750; 2 $62,550; 3 $70,350; 4 $78,150; 5 $84,450; 6 $90,700; 7 $96,950; 8 $103,200.$190,000
City of Ponca City Homebuyer Assistance ProgramPonca City · Kay County80% of area median incomeTotal household income of all residents to reside in the home must be less than 80% of HUD median income for Kay County, Oklahoma, adjusted by household size—
City of Stillwater Homebuyer Assistance ProgramStillwater · Payne County80% of area median incomePath 1 — HUD FY2025 Low (80%) Income Limits, Payne County: 1-person $46,600; 2-person $53,250; 3-person $59,900; 4-person $66,550; 5-person $71,900; 6-person $77,200; 7-person $82,550; 8-person $87,850. Income of all household members 18+ included (minors excluded). Path 3 has no income limit.$250,000
Comanche Nation Housing Authority Down Payment Assistance GrantLawton · Comanche80% of area median incomeMust meet NAHASDA HUD income limits (80% AMI or below).—
Delaware Nation Down Payment & Closing Cost AssistanceAnadarko · Caddo80% of area median incomeMust meet NAHASDA HUD income limits (80% AMI or below).—
Down Payment & Closing Cost AssistanceMultiple80% of area median incomeHousehold income $54,768 (1 person) to $84,499 (larger household) per CPN/HUD IHBG 80% AMI limits for the CPN service area—
Down Payment & Closing Cost GrantMultiple110% of area median incomeHousehold income $58,352 (1 person) to $137,544 (8 person) — tiered 80% to 110% AMI for Comanche service area—
Down Payment and Closing Cost Assistance GrantMultiple80% of area median incomeHousehold income within HUD/IHBG limits for Chickasaw service area; verify with Division of Housing—
Down Payment and Closing Cost Assistance ProgramMultiple80% of area median incomeHousehold income $53,850 (1 person) to $101,600 (8 person) per HUD/IHBG 80% AMI for Seminole service area—
Down Payment Assistance ProgramOklahoma City · Oklahoma80% of area median incomeHousehold income $54,750 (1 person) to $103,200 (8 person) per HUD HOME 80% AMI Oklahoma City MSA—
FHLB Dallas Homebuyer Equity Leverage Partnership (HELP) - OklahomaStatewide · Statewide80% of area median incomeHousehold income at or below 80% of AMI as defined by HUD. See FHLB Dallas Median Incomes document.—
FHLBank Topeka Homeownership Set-Aside Program (HSP) - OklahomaStatewide · Statewide80% of area median incomeHousehold income at or below 80% of AMI as defined by HUD for the property county. Limits vary by county and household size. See 2026 TurnKey Income Limits document at fhlbtopeka.com.—
FHLBank Topeka Homeownership Set-Aside Program Plus (HSP+) - OklahomaStatewide · Bryan, Carter, Craig, Texas80% of area median incomeHousehold income at or below 80% of AMI for the county of the purchased property. See 2026 TurnKey Income Limits document.—
Fort Sill Apache Housing Authority Tribal Funded Down Payment & Closing Cost (DPCC) ProgramApache · CaddoSee programNo published income limit for tribal-funded track. Contact FSAHA for details.—
Green Country Habitat Education Begins With Home (Teacher DPA Program)Tulsa · Tulsa80% of area median incomeMax annual household income: 1-person $79,800; 2 $91,200; 3 $102,600; 4 $114,000; 5 $123,120; 6 $132,240; 7 $141,360; 8 $150,480. Minimum salary: 1 $37,000; 2 $39,000; 3 $42,750; 4 $47,500.—
Green Country Habitat for Humanity Homebuyer ProgramTulsa · Tulsa$114,0002025-2026 by family size (min/max annual): 1 $37,000/$79,800; 2 $39,000/$91,200; 3 $42,750/$102,600; 4 $47,500/$114,000; 5 $51,300/$123,120; 6 $55,100/$132,240; 7 $58,900/$141,360; 8 $62,700/$150,480. Max ~80% Tulsa County AMI; also a minimum income.—
Green Country Habitat Homes of Valor (Veteran Homeownership Program)Tulsa · Tulsa80% of area median incomeIncome requirements same as standard Green Country Habitat homebuyer program: minimum $37,000 (1-person) to maximum $150,480 (8-person) at approximately 80% AMI.—
Home III ConstructionMultiple80% of area median incomeHousehold income $54,768 (1 person) to $84,499 per CPN/HUD IHBG 80% AMI limits—
HomepathOklahoma City · Oklahoma120% of area median incomeHousehold income $66,500 (1 person) to $95,100 (4 person) — workforce tier ~120% AMI OKC MSA$250,000
Iowa Tribe of Oklahoma Bah-Kho-Je Housing Authority Down Payment & Closing Cost AssistancePerkins · Payne80% of area median incomeMust meet NAHASDA HUD income limits (80% AMI or below).—
Kaw Housing Authority Down Payment Assistance ProgramKaw City · Kay80% of area median incomeTwo tracks: NAHASDA track (80% AMI or below) receives $7,500. Over-income Kaw members eligible for $2,500 tribal-funded track.—
Kiowa Tribe Housing Authority (KTHA) Down Payment & Closing Cost AssistanceAnadarko · Caddo80% of area median incomeMust meet NAHASDA HUD income limits (80% AMI or below for NAHASDA-funded portion). Over-income Kiowa members may also apply under tribal-funded track per separate application.—
Mortgage Assistance Program (MAP)Tahlequah · Cherokee Nation Reservation (14-county service area)80% of area median income<=80% National Median (NAHASDA, eff May 05 2025): 1 $58,352; 2 $66,688; 3 $75,024; 4 $83,360; 5 $90,029; 6 $96,698; 7 $103,366; 8 $110,035.—
Muscogee (Creek) Nation Mortgage Down Payment & Closing Cost Program (MAP)Okmulgee · Muscogee (Creek) Nation Reservation80% of area median incomeAnnual family income must be 50% to 80% of national median income published by HUD (Muscogee MAP income guidelines, 2025).—
North Tulsa Forward Program (NTFP)Tulsa · Tulsa80% of area median incomeAt or below 80% AMI for the Tulsa Metro Area per HUD. Dollar amounts by household size not published.—
OCHFA Turnkey Plus GRANT ProgramStatewide · Multi-County$136,780Borrower qualifying-income limits range from approximately $71,280 to $125,300 depending on county and AMI tier; statewide availability through OCHFA TBA program. Limits updated periodically.$510,939
OHFA Dream Loan ProgramStatewide · Statewide$150,000Bond-program qualifying-income limits range approximately from $85,330 (1-2 persons, non-target counties) to $150,000 (3+ persons, targeted areas). Limits set by IRS bond rules and updated annually by OHFA; varies by county and household size.$453,100
OHFA Gold 4Schools115% of area median incomeIncome limits at 115% AMI; set by county and household size per OHFA Gold product guide. See current OHFA rate sheet at ohfa.org/specialrates/.$349,525
OHFA Gold Loan ProgramStatewide · Statewide$136,780OHFA Gold qualifying-income limits range approximately from $85,330 (lower-AMI counties) to $136,780 (higher-AMI counties), set by OHFA program tables and updated periodically; not bound by IRS bond rules.$427,198
OHFA Gold Shield115% of area median incomeIncome limits at 115% AMI per OHFA Gold product guides; set by county and household size. Confirm with current OHFA rate sheet at ohfa.org/specialrates/.$349,525
Oklahoma City HOME programOklahoma City · Oklahoma80% of area median incomeHousehold income $50,150 (1 person) to $94,550 (8 person) per HUD HOME 80% AMI Oklahoma City MSA$280,000
Oklahoma/Canadian counties HOME programMultiple80% of area median incomeHousehold income $50,150 (1 person) to $94,550 (8 person) per HUD HOME 80% AMI Oklahoma City MSA$280,000
ONAC Down Payment Assistance Program80% of area median income<=80% AMI for the county (FHLBank Topeka AHP guidelines; varies by county). See FHLB Topeka Owner-Occupied Income Limits (9.1.25).—
OpendoorOklahoma City · Oklahoma140% of area median incomeHousehold income $78,000 (2 person) to $89,100 (3 person) — workforce/middle-income tier ~140% AMI OKC MSA$250,000
Osage Nation Down Payment Assistance ProgramPawhuska · Statewide (Oklahoma)See programNo income limit stated on the program page (see DPA Policy PDF).—
Otoe-Missouria Tribe Tribal Homebuyer Assistance (THBA) ProgramRed Rock · NobleSee programNo published income limit. Must not be delinquent on any debt owed to the Otoe-Missouria Tribe or tribal agencies.—
Peoria Housing Authority Down Payment Assistance GrantMiami · Ottawa80% of area median incomeMust meet NAHASDA HUD income limits (80% AMI or below).—
Ponca Tribe of Indians of Oklahoma Down Payment and Closing Cost AssistancePonca City · Kay80% of area median incomeMust meet NAHASDA HUD income limits (80% AMI or below).—
REI Home100 Conventional Loan Program - Fannie Mae - Forgivable 2nd MortgageStatewide · Statewide80% of area median incomeBorrower qualifying income at or below 80% AMI of the property county per Fannie Mae HFA Preferred Very Low Income (VLI) tier; tier-floor approximately $49,840 in lowest-AMI counties up to approximately $128,400 in higher-AMI counties depending on county and family size.—
REI Home100 Conventional Loan Program - Freddie Mac - GiftStatewide · Statewide$142,650Borrower qualifying income up to approximately 140% AMI of the property county per Freddie Mac HFA Advantage; range approximately $53,200 (lowest-AMI counties) to $142,650 (higher-AMI counties), depending on county and family size.—
REI Home100 Conventional Loan Program - Freddie Mac/Fannie Mae - Amortizing 2nd MortgageStatewide · Statewide$142,650Borrower qualifying income up to approximately 140% AMI of the property county; range approximately $53,200 (lowest-AMI counties) to $142,650 (higher-AMI counties), depending on county and family size.—
REI Home100 Government Loan Program - FHA or HUD-184 Hybrid (Gift + Amortizing Second Loan)Statewide · Statewide$148,858Borrower qualifying-income limits range approximately $92,115 to $148,858 depending on county and family size; limits set by REI Home100 Government program tables.—
REI Home100 Government Loan Program - GiftStatewide · Statewide$166,425Borrower qualifying-income limits range approximately $120,150 to $166,425 depending on county and family size; higher than other Home100 variants because the Government Gift channel is not constrained by Fannie/Freddie HFA program income tiers.—
Seneca-Cayuga Nation NAHASDA Down Payment AssistanceGrove · Delaware80% of area median incomeMust meet NAHASDA HUD income limits (80% AMI or below).—
TCHFA First Home ProgramStatewide · Tulsa$112,559Non-Targeted 1-2 person: $97,877; Non-Targeted 3+ person: $112,559; Targeted 1-2 person: $108,360; Targeted 3+ person: $126,420. Household income = borrower + spouse + all members age 18+; co-signer income excluded. Limits revised 07/16/2025.$544,232
Tonkawa Tribe of Oklahoma Home Buyers ProgramTonkawa · KaySee programNo income qualifications required for this program.—
Tulsa County First Home ProgramTulsa$112,559Non-Target: 1-2 person $97,877; 3+ person $112,559. Targeted: 1-2 person $108,360; 3+ person $126,420. Qualifying income includes borrowers/spouses and all household members 18+. (Eff 07/16/25.)$544,232
Wyandotte Nation Down Payment Assistance ProgramWyandotte · Ottawa80% of area median incomeIncome limits by family size (FY applicable): 1 person $58,352; 2 persons $66,704; 3 persons $75,056; 4 persons $83,344; 5 persons $90,035; 6 persons $96,725; 7 persons $103,416; 8 persons $110,035.—

Questions, answered

What are the income limits for down payment assistance in Oklahoma?

60 down payment assistance programs in Oklahoma publish an income limit, a purchase price cap, or both. 41 express the limit as a percentage of the area median income for the county where the home is, and 30 publish a flat dollar figure instead.

Why does the same program have different income limits in different counties?

Because most limits are set as a percentage of area median income, which HUD publishes per county and revises annually. A program with one published percentage therefore admits a different dollar figure in each county, and the figure is further adjusted for household size.

Is a published limit the same as being approved?

No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.

Is Hey Prescott a lender?

No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.

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