Bootcamp For Buyers

First Time Homebuyer Programs in Oklahoma

Oklahoma provides a variety of programs through the Oklahoma Housing Finance Agency (OHFA) to assist first-time homebuyers. These initiatives offer financial assistance, competitive mortgage options, and tailored resources to make homeownership achievable.

OHFA Gold Program

The OHFA Gold Program offers affordable loans with down payment assistance.

  • Provides up to 3.5% of the loan amount for down payment and closing costs.
  • Assistance is a gift that does not need to be repaid.
  • Available for FHA, VA, USDA, and conventional loans.

OHFA 4Teachers Program

The 4Teachers Program supports educators buying their first home.

  • Offers down payment assistance of up to 3.5% of the loan amount.
  • Designed specifically for Oklahoma teachers.
  • Includes access to competitive interest rates.

OHFA Shield Program

The Shield Program is designed for first responders and law enforcement professionals.

  • Provides down payment assistance to help with upfront costs.
  • Tailored for active first responders and public safety personnel in Oklahoma.
  • Includes flexible underwriting criteria for eligible buyers.

Oklahoma’s first-time homebuyer programs provide the financial tools and resources needed to make owning a home more accessible. Explore these opportunities to find the right program for your needs and start your journey toward homeownership in the Sooner State.