See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated May 5, 2026
Homebuyer Programs in Moore, OK (2026)
Moore is a popular Oklahoma City suburb in Cleveland County, with a 2026 median sale price near $222,500 according to Redfin. Moore offers one of the largest local DPA stacks in Oklahoma: the City of Moore CDBG-DR Down Payment Assistance Program provides up to $40,000 in tornado-recovery DPA for buyers in the area impacted by the May 2013 EF5 tornado, structured as a 5-year forgivable loan. Buyers can also use the Cleveland County First Home Program (CCHLA) for 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 and first responders qualify for OHFA 4Teachers and OHFA SHIELD. Cleveland County Habitat for Humanity and Neighborhood Housing Services Oklahoma also serve Moore.
City Programs in Moore
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| City of Moore CDBG-DR Down Payment Assistance Program | Forgivable Loan | Up to $40,000 toward down payment and closing costs | No | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to $40,000 toward down payment and closing costs
- First-time only:
- No
County Programs in Cleveland County
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Cleveland County First Home Program (CCHLA) | 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 |
|---|---|---|---|---|
| Cleveland County Habitat for Humanity Homeownership Program | Forgivable Loan | Affordable home with no down payment, no closing costs, and no required PMI | No | View → |
| Neighborhood Housing Services Oklahoma Down Payment Assistance | Forgivable Loan | Varies by qualifying program; typically combined with City of OKC HOME funds | No | View → |
- Type:
- Forgivable Loan
- Amount:
- Affordable home with no down payment, no closing costs, and no required PMI
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Varies by qualifying program; typically combined with City of OKC HOME funds
- First-time only:
- No
How to Apply
Check your eligibility. The City of Moore CDBG-DR program requires household income between 50% and 80% of Cleveland County AMI, a max DTI of 42%, and the property must be in the eligible tornado-impacted area. The Cleveland County First Home Program requires a 620 minimum credit score and first-time buyer status (with veteran exceptions).
Complete a HUD-approved homebuyer education course. Neighborhood Housing Services Oklahoma at (405) 231-4663 administers the Moore CDBG-DR program and provides HUD-approved education.
Contact NHS Oklahoma to apply for the City of Moore CDBG-DR program. They will confirm whether your target property is in the eligible tornado-impacted area and walk through loan counseling.
Get pre-approved with a CCHLA-approved lender for the Cleveland County First Home Program. The 12 approved lenders are listed at myfirstclevelandcountyhome.com.
Save 1% of the purchase price for the buyer contribution and ensure you have 3 months of mortgage payments in the bank at closing (required for the City of Moore CDBG-DR program).
Find a home in Moore. The Moore CDBG-DR program is geographically restricted to the tornado-impacted area; the County and state programs cover the rest of the city.
Close on your home. The Moore CDBG-DR DPA forgives 1/5 each year over 5 years; the Cleveland County First Home DPA fully forgives after 5 years of owner-occupancy.