OHFA Gold – Oklahoma Home Finance Agency Homeownership Loan

About This Program

OHFA's homeownership loan programs provide below-market interest rate mortgages with optional down payment assistance for income-qualifying Oklahoma homebuyers. While primarily a purchase program, OHFA Gold loans may be combined with FHA 203(k) or other rehabilitation financing to purchase and repair a home simultaneously. Contact an OHFA-participating lender for current rates and combined options.

Down payment assistance of 3.5% on $180,000 home saves approximately $6,300 upfront

Key Details

• Below-market interest rate mortgages for qualifying buyers
• Down payment assistance up to 3.5% of purchase price
• Can be combined with FHA 203k for purchase-plus-rehabilitation
• Income and purchase price limits vary by county
• Apply through OHFA-participating lenders statewide

How to Apply

Deadline: Ongoing – apply through OHFA-participating lenders