Green Country Habitat Education Begins With Home (Teacher DPA Program)

What is Green Country Habitat Education Begins With Home (Teacher DPA Program)?

Green Country Habitat Education Begins With Home (Teacher DPA Program) is a forgivable loan for homebuyers in Tulsa, Oklahoma, administered by Green Country Habitat for Humanity.

• Education Begins With Home is a $5 million forgivable down payment assistance program developed by Green Country Habitat for Humanity in partnership with Tulsa Public Schools. Qualifying TPS teachers receive up to $50,000 in forgivable down payment assistance to purchase a Habitat-built home in the Tulsa area. Assistance is forgiven after 5 years of successful mortgage payments and continuous TPS employment. Homebuyers also receive a below-market, 30-year fixed-rate mortgage and free financial literacy courses.
• Up to $50,000 forgivable down payment assistance.
• Below-market 30-year fixed-rate mortgage.
• Free financial literacy training.
• Promotes teacher retention.
• Funding comes from $5 million DPA fund; sponsors incl FW Murphy Family Foundation, Tulsa Area United Way, MidFirst Bank, State Farm.

How much assistance does it provide?

Green Country Habitat Education Begins With Home (Teacher DPA Program) offers up to $50,000 in assistance.

• Buyer contribution: Must complete 30 Habitat Service (sweat equity) hours; free financial literacy courses.
• Amounts are the program's published maximums, not an offer — Green Country Habitat for Humanity determines any individual award.

Do you have to pay it back?

Green Country Habitat Education Begins With Home (Teacher DPA Program) is forgiven after 5 years, so a buyer who stays that long does not repay it.

• Repayment is triggered by Forgiven after 5 years of successful mortgage payments AND continuous Tulsa Public Schools employment; repayment if homeowner leaves TPS or sells/transfers within 5 years.
• The assistance is recorded in second position.
• Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Green Country Habitat Education Begins With Home (Teacher DPA Program) is open to buyers who will live in the home as their primary residence.

What are the income limits?

Green Country Habitat Education Begins With Home (Teacher DPA Program) limits household income to 80% of the area median income, which varies by county and household size.

• Max 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.
• The limit applies to total household income, not only the borrower’s.
• The program lists a maximum household size of 8.
• Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

Green Country Habitat Education Begins With Home (Teacher DPA Program) caps the purchase price as follows: Habitat home sold at cost; pricing set by Green Country Habitat.

• Eligible property types include Single Family.
• New construction is eligible.
• Manufactured homes are not eligible.

Is there eligibility for specific groups?

Green Country Habitat Education Begins With Home (Teacher DPA Program) names educators among the groups it serves.

• Being named here means the program mentions the group, not that membership alone qualifies an applicant — the rest of the eligibility rules still apply.

Where does it apply?

Green Country Habitat Education Begins With Home (Teacher DPA Program) serves buyers purchasing in Tulsa, Oklahoma.

• The program targets specific areas: Tulsa area neighborhoods where Green Country Habitat builds: North Tulsa, East Tulsa, Wagoner.

How do you apply?

Applications for Green Country Habitat Education Begins With Home (Teacher DPA Program) go through Green Country Habitat for Humanity, which publishes the current terms and the application steps on its own site.

1. 1

   Take a homebuyer education course

   Required by the program, through Free financial literacy courses provided by Green Country Habitat.

2. 2

   Contact Green Country Habitat for Humanity to reserve funds

   Funds are reserved through Application through Green Country Habitat orientation meeting, and are subject to availability.

3. 3

   Work with a lender who handles the program

   Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.