See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated May 5, 2026
Homebuyer Programs in Broken Arrow, OK (2026)
Broken Arrow is Oklahoma's fourth-largest city, located primarily in Tulsa County, with a 2026 median sale price near $283,000 according to Redfin. While Broken Arrow does not currently run a city-specific down payment assistance program, buyers here can take advantage of the Tulsa County First Home Program, which provides 3.5% forgivable DPA paired with a below-market 30-year fixed mortgage. Statewide options also stack here: OHFA's 3.5% DPA, the OHFA Dream grant, and REI Gift100 (3.5%-5% gift) all apply. Educators and first responders qualify for OHFA 4Teachers and OHFA SHIELD reduced-rate products. Green Country Habitat for Humanity also serves the broader Tulsa region for buyers below 80% AMI. Combined with federal FHA, VA, and USDA loans, eligible Broken Arrow buyers can often cover their down payment and most closing costs through stacked programs.
County Programs in Tulsa County
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Tulsa County First Home Program (TCHFA) | Forgivable Loan | 3.5% of total mortgage amount (averages about $9,000) | Yes | View → |
- Type:
- Forgivable Loan
- Amount:
- 3.5% of total mortgage amount (averages about $9,000)
- First-time only:
- Yes
State Programs in Oklahoma
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| OHFA 4Teachers Program (Oklahoma) | Grant | 3.5% of total loan amount plus reduced interest rate | Yes | View → |
| OHFA Dream Program (Oklahoma) | Grant | 3.5% of total loan amount | No | View → |
| OHFA Homebuyer Down Payment Assistance (Oklahoma) | Silent Second Mortgage | 3.5% of total loan amount | No | View → |
| OHFA SHIELD Program (Oklahoma) | Grant | 3.5% of total loan amount plus reduced interest rate | No | View → |
| REI Gift100 / Home100 Down Payment Assistance | Grant | 3.5% to 5% of the first mortgage amount | No | View → |
- Type:
- Grant
- Amount:
- 3.5% of total loan amount plus reduced interest rate
- First-time only:
- Yes
- Type:
- Grant
- Amount:
- 3.5% of total loan amount
- First-time only:
- No
- Type:
- Silent Second Mortgage
- Amount:
- 3.5% of total loan amount
- First-time only:
- No
- Type:
- Grant
- Amount:
- 3.5% of total loan amount plus reduced interest rate
- First-time only:
- No
- Type:
- Grant
- Amount:
- 3.5% to 5% of the first mortgage amount
- First-time only:
- No
Federal Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| FHA Loans | Government-Insured Mortgage | Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026) | No | View → |
| FHLBA Community Partners Product | Forgivable Loan | Up to $20,000 in home purchase assistance for down payment and closing costs | No | View → |
| FHLBA First Time Homebuyer Product | Forgivable Loan | Up to $17,500 in home purchase assistance for down payment and closing costs | Yes | View → |
| FHLBA Workforce Housing Plus+ | Forgivable Loan | Up to $15,000 in home purchase assistance for down payment and closing costs | No | View → |
| Good Neighbor Next Door (HUD) | Government Property Sale Program | 50% discount off the list price of HUD-owned homes | Yes | View → |
| Home Possible Mortgage (Freddie Mac) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HomeReady Mortgage (Fannie Mae) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HUD $100 Down Program | FHA-Financed HUD REO Purchase | Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs. | No | View → |
| USDA Rural Development Loans | Government-Guaranteed Mortgage | 100% financing (no down payment required); loan amount up to appraised value | No | View → |
| VA Loans | Government-Guaranteed Mortgage | No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026) | No | View → |
- Type:
- Government-Insured Mortgage
- Amount:
- Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $20,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $17,500 in home purchase assistance for down payment and closing costs
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $15,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Government Property Sale Program
- Amount:
- 50% discount off the list price of HUD-owned homes
- First-time only:
- Yes
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- FHA-Financed HUD REO Purchase
- Amount:
- Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- 100% financing (no down payment required); loan amount up to appraised value
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)
- First-time only:
- No
Nonprofit Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Green Country Habitat for Humanity Homeownership Program | Forgivable Loan | Affordable home with no down payment, no closing costs, and no required PMI; mortgage payment capped at 30% of gross income | Yes | View → |
- Type:
- Forgivable Loan
- Amount:
- Affordable home with no down payment, no closing costs, and no required PMI; mortgage payment capped at 30% of gross income
- First-time only:
- Yes
How to Apply
Check your eligibility. The Tulsa County First Home Program requires a 620 minimum credit score and first-time buyer status (with veteran and qualifying-census-tract exceptions). OHFA programs require a 640 minimum credit score.
Complete a HUD-approved homebuyer education course. NHS Oklahoma at (405) 231-4663 is a HUD Certified Homeownership Center and offers in-person and online courses. Most OHFA-approved lenders can also direct you to acceptable courses.
Get pre-approved with a Tulsa County First Home Program-approved lender. The list of 12+ approved lenders is at myfirsttulsacountyhome.com/buyers.
Apply through your participating lender. They will package the Tulsa County First Home DPA with your 30-year fixed first mortgage.
For additional layered assistance, ask your lender about pairing OHFA Dream (3.5% grant) or REI Gift100 (3.5% to 5% gift) on top of the County program.
Find a home in Broken Arrow within the program's loan limits.
Close on your home and remain owner-occupant for at least 5 years for the Tulsa County DPA to fully forgive.