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OCHFA Turnkey Plus GRANT Program

Statewide, Oklahoma

Last verified
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Assistance

4%

Of the purchase price, as the program sets it

Income limit

$136,780

The household income limit the program publishes

Price cap

$510,939

Highest purchase price the program allows

Repayment

Grant

Not repaid

What is OCHFA Turnkey Plus GRANT Program?

OCHFA Turnkey Plus GRANT Program is a grant for homebuyers in Statewide, Oklahoma.

  • Turnkey Plus is OCHFA's TBA-based DPA grant program available statewide through OCHFA-approved lenders. Borrowers receive up to 4% of the first-mortgage amount as a non-repayable grant for down payment and closing costs, paired with a 30-year fixed-rate FHA, VA, USDA-RD, or conventional HFA Preferred first mortgage. Despite OCHFA's name (Oklahoma County), the Turnkey Plus program is offered statewide.
  • Up to 4% down payment / closing-cost assistance grant (no repayment) on a 30-year fixed first mortgage. Available statewide through participating lenders. No first-time-homebuyer requirement.
  • Funding comes from Local Government and TBA.

How much assistance does it provide?

OCHFA Turnkey Plus GRANT Program provides assistance worth 4% of the purchase price, as set by the program.

  • Buyer contribution: No published borrower minimum contribution.
  • Amounts are the program's published maximums, not an offer — the administering agency determines any individual award.

Do you have to pay it back?

OCHFA Turnkey Plus GRANT Program is structured as a grant, so it is not repaid.

  • Repayment is triggered by None — grant and no repayment required.
  • The assistance is recorded in 1 position.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

OCHFA Turnkey Plus GRANT Program is open to buyers who will live in the home as their primary residence.

The program requires

  • The home is occupied as a primary residence
  • On credit: 640 FICO Government (FHA/VA/USDA); 660 FICO Conventional HFA Preferred
  • A completed homebuyer education course, through HUD-approved homebuyer education provider; Framework or eHome America online course accepted on conventional loans (FHA/VA/USDA per agency rules)
  • Residency: Property must be located in Oklahoma and used as borrower's primary residence
  • Citizenship or immigration status: U.S. citizen or qualified permanent/non-permanent resident alien per first-mortgage product overlays
  • 640 FICO minimum for Government (FHA/VA/USDA) loans; 660 FICO minimum for Conventional HFA Preferred. Maximum DTI 50% per AUS approval. Owner-occupied primary residence only. No first-time-homebuyer requirement.

The program excludes

  • Purchases above the $510,939 price cap
  • Households above $136,780

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

OCHFA Turnkey Plus GRANT Program limits household income to $136,780.

  • 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?

OCHFA Turnkey Plus GRANT Program caps the purchase price at $510,939.

  • Eligible property types include Single-family detached, Townhome, Condominium (warrantable), 2-4 unit (per first-mortgage product), and PUD.
  • New construction is eligible.
  • Manufactured homes are eligible.

Is there eligibility for specific groups?

OCHFA Turnkey Plus GRANT Program names veterans, active-duty service members, reservists and National Guard members, and surviving spouses 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?

OCHFA Turnkey Plus GRANT Program serves buyers purchasing in Statewide, Oklahoma.

How do you apply?

Applications for OCHFA Turnkey Plus GRANT Program go through the administering agency, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through HUD-approved homebuyer education provider; Framework or eHome America online course accepted on conventional loans (FHA/VA/USDA per agency rules).

  2. Contact the administering agency to reserve funds

    Funds are reserved through Lender reservation through OCHFA's eHousingPlus origination portal, and are subject to availability.

  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.

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OCHFA Turnkey Plus GRANT Program, explained

A short, free course on OCHFA Turnkey Plus GRANT Program: what it is, who it is for, whether it has to be paid back, where it applies and how to apply. Based on program data from July 2026. About ten minutes.

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