07/29/2026
If you want to buy a house 🏠 and don’t have money for the downpayment, THIS program CAN BE the perfect solution for YOU!
🏡 Buying a home with a small down payment? Oklahoma’s OHFA GOLD Government program is worth looking into.
Here’s what buyers should know:
✅ Up to 3.5% down payment assistance based on the first mortgage loan amount.
✅ The assistance comes as a second mortgage with 0% interest, no monthly payment, and no additional fees.
✅ The balance is repaid when you sell the home, refinance the first mortgage, transfer ownership, or when the first mortgage reaches maturity.
✅ Funds are applied first to your required down payment, then toward eligible closing costs, and any remaining amount reduces your first mortgage balance.
• Available with FHA, VA, USDA Rural Development, and HUD Section 184 loans for eligible borrowers.
• Qualified Oklahoma teachers, first responders, and eligible state employees receive an automatic 0.125% interest rate reduction.
Many buyers assume they need a large savings account before purchasing a home. Programs like OHFA help bridge the gap, but eligibility requirements apply, including household income limits, purchase price limits, occupancy requirements, and loan guidelines.
Before you start shopping, talk with a lender who works with OHFA programs. Understanding your options early helps you build a realistic budget and avoid surprises during the home buying process.
If you’re wondering whether you qualify, send me a message 💕
