First mortgage
Central Oklahoma Habitat for Humanity Affordable Homeownership Program
New construction · Income limits · Single Family
Down payment assistance · Oklahoma County
Buying a home in Oklahoma City, OK
5 Oklahoma City programs and 18 statewide.Oklahoma City has 5 programs of its own, 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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Oklahoma City’s own programs
Forgivable loan
Down Payment Assistance Program
New construction · Income limits · Single-family detached, condo, townhouse, 1-2 unit owner-occupied
Deferred second loan
Homepath
Income limits · Single-family detached, condo, townhouse, 1-2 unit owner-occupied
Deferred second loan
Oklahoma City HOME program
Income limits · Single-family detached, condo, townhouse, 1-4 unit (owner-occupied)
Deferred second loan
Opendoor
First-time homebuyers · Income limits · Single-family detached, condo, townhouse, 1-2 unit owner-occupied
Neighboring cities
1 program for homes in nearby cities
1 more program is for homes in Edmond. See them 1 program in neighboring cities — for homes inside those cities, not Oklahoma City
- Edmond — City of Edmond Homebuyer Assistance Program
The Oklahoma City marketThe Oklahoma City housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Oklahoma City
- 67.3% single-familysingle-family
- 3.7% townhousetownhouse
- 6.3% 2–4 units2–4 units
- 19.7% 5+ unitscondo & apartment buildings (5+ units)
- 3.1% mobile & othermobile home & other
Condos count. 4 of Oklahoma City’s 5 local and county programs accept condos. Central Oklahoma Habitat for Humanity Affordable Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Oklahoma City’s homes were built
pre-19401970s2020+
47.2%
of Oklahoma City 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
County area median income, 4 people (HUD)HUD area median income, Oklahoma County, 4-person household (2026)
$68,656
Oklahoma City median household incomeMedian household income in Oklahoma City (Census, 2024)
20 of the 85 programs here set their income limit as a share of Oklahoma County’s area median income, adjusted for household size. See the published limits for Oklahoma County
Free help nearbyFree help near Oklahoma City
3 HUD-approved counseling agencies within 15 miles3 HUD-approved housing counseling agencies within 15 miles
5 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 5 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.
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Across Oklahoma and nationwide
80 statewide & federal programs18 statewide programs, plus federal options
Oklahoma City questions
Does Oklahoma City have its own down payment program?
Yes, 5: Central Oklahoma Habitat for Humanity Affordable Homeownership Program, Down Payment Assistance Program, Homepath, Oklahoma City HOME program and Opendoor. Each is for homes inside Oklahoma City.
Can I use assistance on a condo in Oklahoma City?
4 of Oklahoma City’s 5 local and county programs accept condos. Central Oklahoma Habitat for Humanity Affordable Homeownership 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 Oklahoma County?
Each program sets its own. 20 of the programs here set theirs as a share of HUD’s area median income for Oklahoma 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 Oklahoma City?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies are within 15 miles of Oklahoma City. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
73101 · 73102 · 73103 · 73104 · 73105 · 73106 · 73107 · 73108 · 73109 · 73110 · 73111 · 73112 · 73113 · 73114 · 73115 · 73116 · 73117 · 73118 · 73119 · 73120 · 73121 · 73122 · 73123 · 73124 · 73125 · 73126 · 73127 · 73128 · 73129 · 73130 · 73131 · 73132 · 73134 · 73135 · 73136 · 73137 · 73139 · 73140 · 73141 · 73142 · 73143 · 73144 · 73145 · 73146 · 73147 · 73148 · 73149 · 73150 · 73151 · 73152 · 73153 · 73154 · 73155 · 73156 · 73157 · 73159 · 73160 · 73162 · 73163 · 73164 · 73165 · 73167 · 73169 · 73170 · 73172 · 73173 · 73177 · 73178 · 73179 · 73180 · 73184 · 73185 · 73189 · 73190 · 73193 · 73194 · 73195 · 73196 · 73197 · 73198 · 73199
Nearby in Oklahoma
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.