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Housing Program
Planning

Homeownership Opportunity Program:

At times, the City has vacant single family residential properties which need rehabilitation. This program makes these houses available to income qualified applicants to purchase for the cost of the rehabilitation with a 3% loan. Monthly payments are based on the applicant's income, current debts and the cost of the rehabilitation. Cost for lead-based paint activities are in the form of a grant to the homebuyer. A property inspection by City staff is required to determine rehabilitation work requirements.

Income per family size cannot exceed:

Family Size
1
2
3
4
5
6
7
8
General Loan Income 33,600 38,400 43,200 48,000 51,850 55,700 59,550 63,400

For additional information or to obtain an application, call (405) 297-2846.

Owner Occupied Rehabilitation:

Special Assistance for the Elderly (SAFE)

Owner-Occupied Rehabilitation Loans are for people who own and occupy the property in need of repair. A property inspection by City staff is required to determine rehabilitation work requirements. The applicant must maintain homeowner's insurance covering the structure during the loan compliance.

The maximum rehabilitation loan amount is $42,500 with a $15,000 grant for any lead-based paint activity and are available in two forms:

Income per family size cannot exceed:

Family Size
1
2
3
4
5
6
7
8
Senior Loan Income 25,200 28,800 32,400 36,000 38,880 41,760 44,640 47,520
General Loan Income 33,600 38,400 43,200 48,000 51,850 55,700 59,550 63,400

For additional information or to obtain an application, call (405) 297-2846.

Home Exterior Maintenance Program

The City’s exterior maintenance program provides grants up to $18,000 for material and labor to help income qualified applicants to address property maintenance code violations. A property inspection by City staff is required to determine rehabilitation work requirements. Applicants must own and occupy the house in need of repair and their income must meet program guidelines.

Income per family size cannot exceed:

Family Size
1
2
3
4
5
6
7
8
General Loan Income 33,600 38,400 43,200 48,000 51,850 55,700 59,550 63,400

For additional information or to obtain an application, call (405) 297-2846.

BeforeAfter

Before and After

Downpayment Assistance Programs

Through the HOME Investment Partnerships Program (HOME) funded by the U.S. Department of Housing and Urban Development (HUD), the City provides down payment and closing costs assistance (DPA) to income eligible families and individuals. The HOME program does not have a first-time homebuyer requirement; however, the assistance is only available for homes purchased in certain areas. The HOME program offers $6,000 in assistance to applicants wishing to move into a Neighborhood Revitalization Strategy Area (NRSA) or other targeted neighborhoods. $3,500 is provided for outside targeted areas that exist within a CDBG eligible census tract. Homebuyers seeking DPA must receive homebuyer education, for which there is no charge.

Income per family size cannot exceed:

Family Size
1
2
3
4
5
6
7
8
General Loan Income 33,600 38,400 43,200 48,000 51,850 55,700 59,550 63,400

To view program Guidelines and DPA map of approved geographic locations click here.

To obtain an application or schedule a Homebuyer Education Class contact the Community Action Agency at 405-232-0199 or Neighborhood Housing Services at 405-231-4663.

Emergency Home Repair

Emergency Home Repair is a unique program designed to effect repairs which constitute an emergency health or safety hazard to the occupants of single family residences. The program offers services in over 60 targeted areas. Repairs such as heat installation, water or sewer line replacement, roof replacement, and electrical repair are major concerns of the program. Trained carpentry staff also assists in deteriorated floor and porch replacement and/or the installation of wheelchair ramps. The mission of the program is to provide these services only to income-eligible homeowners unable to afford such repairs, eliminating the possibility of accidents, illnesses and the risk of homelessness.

For additional information or to obtain an application, contact Community Action Agency at 405-232-0199 ext. 1401 or click here.