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The City's Housing and Community Development Division manages several residential grant and loan programs funded by the U.S. Department of Housing. These programs are only available to individuals who meet income requirements based on family size as follows: 

   1 Person  2 Persons  3 Persons  4 Persons 5 Persons   6 Persons 7 Persons  8 Persons 


 29,160  33,360  37,500  41,460  45,000  48,360  51,660  55,020
 All other  38,850  44,400  49,950  55,500  59,950  64,400  68,850  73,300


Homeownership Opportunity Program

Oklahoma City occasionally has vacant, single-family houses in need of rehabilitation that would make good homes to families who can afford the rehabilitation. Saving these properties can also strengthen neighborhoods. The Homeownership Opportunity Program allows qualified applicants to buy houses for the price of rehabilitation through low-interest loans. 

City staff inspects the property to determine rehabilitation work requirements, and monthly payments on the loan are based on the applicant's income, current debts and the rehabilitation cost. Grant money is available for lead-based paint issues.

Owner-Occupied Rehabilitation:

Special Assistance for the Eligible (SAFE)

 If you own and occupy a property in need of repair, you may qualify for a rehabilitation loan. City staff will inspect the property to determine how much work needs to be done, and applicants must maintain homeowners insurance during the loan period.

The maximum rehabilitation loan amount is $42,500. Grants of up to $15,000 are available for lead-based paint problems. The loans and grants are available in two forms:

  • Senior Loans are for homeowners 62 years and older or homeowners of any age that are disabled as defined by the Social Security Administration. If all program requirements have been met, the Senior Loans are forgiven after five years or if the applicant passes away. They may also be forgiven if the applicant must involuntarily move out to take permanent residence in a facility for care of the elderly or convalescent.
  • General Repayment Loans are no-interest loans for rehabilitation. Grants are available for lead-based paint problems. Monthly payments are based on the applicant's ability to repay with a minimum payment of $75 per month required.

Home Exterior Maintenance Program

The Home Exterior Maintenance Program (HEMP) is designed to help eligible homeowners repair property maintenance issues that violate the City’s property maintenance codes.  Grants of up to $18,000 are available.  To receive the grant, all exterior code violations must be corrected.  Residents who own a home in a Strong Neighborhood Initiative Area are eligible for forgivable loans of up to $23,000.  Applicants must own and occupy the home and meet income requirements.  Homes located in a 100-year flood plain are not eligible for this program.


Down Payment 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 home buyer requirement; however, the assistance is only available for homes purchased within the program boundaries. The assistance provided is based on the prospective buyer's need up to $15,000.00. Home buyers seeking DPA must receive home buyer education, for which there is no charge.

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

For an application or to schedule a Homebuyer Education Class, call the Community Action Agency at (405) 232-0199 or Neighborhood Housing Services at (405) 231-4663.

Emergency Home Repair

The Emergency Home Repair program repairs issues that are emergency health or safety hazards in single-family residences. The program offers services including heat installation, water or sewer line replacement, roof replacement and electrical repair in over 60 targeted areas. 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 details or an application, call the Community Action Agency at (405) 232-0199 ext. 1401.

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