See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated May 5, 2026
Homebuyer Programs in Tulsa, OK (2026)
Tulsa is Oklahoma's second-largest city, with a 2026 median sale price near $245,000 according to Redfin. First-time buyers in Tulsa can stack several layers of assistance: the City of Tulsa Homeownership Program (administered by Housing Partners of Tulsa) offers up to $5,000 in down payment and closing cost help, and the Tulsa County First Home Program (TCHFA) layers on a 3.5% forgivable DPA paired with a below-market 30-year fixed mortgage. Buyers in District 1 of North Tulsa may also qualify for up to $5,000 from the Be Well CDC North Tulsa Forward Program. Statewide options like OHFA's 3.5% DPA, the OHFA Dream grant, and REI Gift100 (3.5%-5% gift) can layer on top, while educators and first responders qualify for OHFA 4Teachers and OHFA SHIELD. Combined with FHA, VA, and USDA loans, eligible Tulsa buyers can often cover most of their down payment and closing costs.
City Programs in Tulsa
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| City of Tulsa Homeownership Program | Forgivable Loan | Up to $5,000 toward down payment and/or closing costs | Yes | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to $5,000 toward down payment and/or closing costs
- First-time only:
- Yes
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 → |
| North Tulsa Forward Program | Forgivable Loan | Up to $5,000 toward down payment and/or closing costs | 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
- Type:
- Forgivable Loan
- Amount:
- Up to $5,000 toward down payment and/or closing costs
- First-time only:
- Yes
How to Apply
Check your eligibility. The City of Tulsa program requires household income at or below 80% of HUD area median income (AMI) for Tulsa County and a first-time homebuyer (no primary residence in the past 3 years). The Tulsa County First Home Program requires a 620 minimum credit score; OHFA programs require 640.
Complete homebuyer education. The City of Tulsa runs an 8-hour Homeownership Program course (Orientation, Homebuyer Education, and Credit and Budget Counseling). HUD-approved counseling is also available through Neighborhood Housing Services Oklahoma at (405) 231-4663.
Contact Housing Partners of Tulsa for the City of Tulsa DPA program intake.
Get pre-approved with a TCHFA-approved lender for the Tulsa County First Home Program. The list of 12+ approved lenders is at myfirsttulsacountyhome.com/buyers.
Find a home that fits the program rules. The City of Tulsa program requires the property to be inside Tulsa city limits. The Tulsa County First Home Program covers the entire county.
Submit your full application package. Plan on 30 to 60 days from offer to close. The City of Tulsa requires a 1% borrower contribution.
Close on your home and meet the occupancy requirement. The Tulsa County First Home DPA fully forgives after 5 years of owner-occupancy.