See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated May 5, 2026
Homebuyer Programs in Enid, OK (2026)
Enid is the largest city in northwest Oklahoma and seat of Garfield County, with a 2026 median sale price near $155,000 according to Redfin. While Enid does not currently run a fixed city-funded down payment assistance program, the City of Enid was allocated $494,190 in CDBG funds for fiscal year 2026, some of which may be used for homebuyer assistance activities. Statewide programs are the primary path to assistance: OHFA's 3.5% DPA, the OHFA Dream grant (3.5% with no recapture), and REI Gift100 (3.5%-5% gift) all apply. Educators qualify for OHFA 4Teachers and first responders for OHFA SHIELD. Enid Habitat for Humanity also serves Garfield County for buyers who qualify for affordable Habitat housing. Combined with FHA, VA, and USDA loans (much of the area outside city limits is USDA-eligible rural), eligible Enid buyers can frequently cover the bulk of their down payment and closing costs through stacked programs given Enid's affordability.
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 → |
| 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:
- 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 |
|---|---|---|---|---|
| Enid Habitat for Humanity Homeownership Program | Forgivable Loan | Affordable home with no down payment, no closing costs, and a 0% interest mortgage | No | View → |
- Type:
- Forgivable Loan
- Amount:
- Affordable home with no down payment, no closing costs, and a 0% interest mortgage
- First-time only:
- No
How to Apply
Step 1: Check your eligibility. OHFA programs require a 640 minimum credit score and have income limits varying by county. REI Gift100 requires 640 credit and DTI under 45%.
Step 2: Complete a HUD-approved homebuyer education course. Confirm acceptable providers with your participating OHFA-approved lender.
Step 3: Get pre-approved with an OHFA-approved or REI-approved lender. They will pair state-level OHFA or REI assistance with a 30-year fixed first mortgage.
Step 4: Contact the City of Enid Community Development Department to ask whether any current CDBG-funded homebuyer assistance is available for FY26. CDBG funds may be allocated to homebuyer activities depending on the Annual Action Plan.
Step 5: Consider a USDA-RD loan if you are buying just outside Enid city limits. USDA loans offer zero down payment for eligible rural properties.
Step 6: Find a home in Enid within program limits. With Enid's affordable median near $155,000, most homes fit easily under OHFA's purchase price caps.
Step 7: If your income is too low for traditional financing, contact Enid Habitat for Humanity at (580) 237-0114 about their no-down-payment, no-interest mortgage program.
Frequently Asked Questions
Does Enid have a city-specific down payment assistance program?+−
How much down payment assistance can I get in Enid?+−
Do I qualify for a USDA loan in Enid?+−
What is the maximum home price in Enid?+−
What if I can't qualify for a traditional mortgage?+−
What homebuyer education is required?+−
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