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Cleveland County First Home Program (CCHLA)

Administered by:

Cleveland County Home Loan Authority

· County · Forgivable Loan

Funding status: Active

How much assistance

3.5% of total mortgage amount (averages about $9,000)

Down payment assistance is fully forgiven after 5 years of owner-occupancy.

Eligibility

Income limits:
Income limits based on CCHLA program guidelines; verify current limits with an approved lender.
First-time buyer required: Yes —
First-time homebuyer required, defined as not having owned a home in the past 3 years. Exceptions for individuals moving to Cleveland County for the first time.
Credit score minimum: 620
Geographic restrictions:
Property must be located in Cleveland County, OK (includes Norman, Moore, and surrounding areas).
Homebuyer education required: Yes

How to Apply for Cleveland County First Home Program (CCHLA)

Step 1: Apply through one of the 12 CCHLA-approved participating lenders. Program pairs the 3.5% forgivable DPA with a 30-year fixed below-market mortgage.

Visit program website

Notes

Launched in 2024 with $25M in mortgage revenue bonds. Operates first-come first-serve; bond allocation may be exhausted. Verify current funding availability before promising assistance to a buyer.