See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated May 5, 2026
Homebuyer Programs in Jenks, OK (2026)
Jenks is one of the most desirable Tulsa suburbs and home to the Oklahoma Aquarium, located in Tulsa County, with 2026 home prices among the highest in the state — listings often around $479,500 with median sales near $400,000. Jenks does not currently run a city-funded down payment assistance program, and given the higher home prices, buyers will often need to use the OHFA conventional track or stack multiple programs to fit. The Tulsa County First Home Program (TCHFA) provides 3.5% forgivable DPA paired with a below-market 30-year fixed mortgage. Statewide programs layer on top: OHFA's 3.5% DPA, the OHFA Dream grant (3.5% with no recapture), and REI Gift100 (3.5%-5% gift). Educators qualify for OHFA 4Teachers and first responders for OHFA SHIELD. Green Country Habitat for Humanity serves the Tulsa region but is targeted at low-income buyers, so income limits will be a constraint for many Jenks buyers.
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.
Important — given Jenks's higher home prices, plan to use the OHFA conventional track (up to $453,100 purchase price) rather than the Government track ($356,362 cap) for most homes. Talk to your lender early about which track fits.
Complete a HUD-approved homebuyer education course. NHS Oklahoma at (405) 231-4663 is a HUD Certified Homeownership Center.
Get pre-approved with a Tulsa County First Home Program-approved lender at myfirsttulsacountyhome.com/buyers.
For additional layered assistance, pair OHFA Dream (3.5% grant) or REI Gift100 (3.5% to 5% gift) with the County program.
Find a home in Jenks within your program limits. Higher-end Jenks homes may need conventional financing without DPA.
Close on your home and remain owner-occupant for at least 5 years for the Tulsa County DPA to fully forgive.