See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated May 5, 2026
Homebuyer Programs in Norman, OK (2026)
Norman is the third-largest city in Oklahoma and home to the University of Oklahoma, with a 2026 median sale price near $281,000 according to Redfin. Norman buyers have access to two strong county/city options: the City of Norman Down Payment Assistance Program (administered by NHS Oklahoma) provides up to $14,999 for buyers in three core neighborhoods (Old Silk Stocking, Original Townsite, and First Courthouse), and the Cleveland County First Home Program offers 3.5% forgivable DPA paired with a below-market 30-year fixed mortgage. Statewide options like OHFA's 3.5% DPA, the OHFA Dream grant, and REI Gift100 layer on top, while educators and first responders qualify for OHFA 4Teachers and OHFA SHIELD. Cleveland County Habitat for Humanity also serves Norman, Moore, and surrounding areas with no-down-payment Habitat homes.
City Programs in Norman
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| City of Norman Down Payment Assistance Program | Forgivable Loan | Up to $14,999 toward down payment and/or closing costs | Yes | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to $14,999 toward down payment and/or closing costs
- First-time only:
- Yes
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 Norman DPA requires you to be a first-time homebuyer purchasing in one of three core neighborhoods. The Cleveland County First Home Program requires a 620 credit minimum and first-time buyer status (with veteran and new-resident exceptions). OHFA programs require a 640 minimum credit score.
Complete a HUD-approved homebuyer education course. Neighborhood Housing Services Oklahoma at (405) 231-4663 administers the City of Norman program and offers HUD-approved education in person and online.
Contact NHS Oklahoma at (405) 231-4663 or info@nhsokla.org for the City of Norman DPA program. They handle intake, eligibility, and assistance distribution.
Get pre-approved with a CCHLA-approved lender for the Cleveland County First Home Program. The 12 approved lenders are listed at myfirstclevelandcountyhome.com.
Find a home that fits the program rules. The City of Norman DPA only applies to homes in the Old Silk Stocking, Original Townsite, or First Courthouse neighborhoods. The Cleveland County First Home Program covers the entire county including Norman, Moore, Lexington, and Noble.
Submit your full application package. Plan on 30 to 60 days from offer to close.
Close on your home and meet the occupancy requirement. The Cleveland County First Home DPA fully forgives after 5 years of owner-occupancy.