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OK Home Math

OHFA GOLD and DREAM eligibility check

Pick your county, then your household and price. We check them against OHFA's published limits.

Updated Oct 8, 2026 · Rates from OHFA (Oct 8) · Limits checked against OHFA's 2025 income and price exhibits · How we calculate

Where you're buying

Your household
Owned a home in the last 3 years?
The house and loan

We assumed 3.5%, the FHA minimum. Change it if you're putting down more.

Loan type
In a targeted census tract?

GOLD / DREAM limits

under / under

See the breakdown

You're under both OHFA limits for a 2-person household in Oklahoma County.

OHFA's 3.5% assistance would be about $8,592.

GOLD for first-time buyers

Under the limit:Under OHFA's income and price limits

  • Under the limit:First-time homebuyerYou are one, or it isn't required
  • Under the limit:Household income (1–2 persons)Yours $80,000 · limit $97,700 ($117,240 targeted)
  • Under the limit:Purchase priceYours $250,000 · limit $349,525 ($427,198 targeted)

Today: 7.000% with 3.50% assistance.

DREAM no first-time rule

Under the limit:Under OHFA's income and price limits

  • Under the limit:First-time homebuyerNot required
  • Under the limit:Qualifying incomeYours $80,000 · limit $150,000
  • Under the limit:Purchase priceYours $250,000 · limit $356,362

Today: 8.250% with 3.50% assistance (7.750% without).

Loan and assistance estimate
Down payment (3.5%)$8,750
Total loan, with $4,222 upfront premium$245,472
Assistance, a 0% second mortgage: 3.50% of the loan$8,592

Payment at the GOLD rate →

This isn't an approval. OHFA and your lender make the call, and they'll also look at your credit and debts. OHFA's rates can change every business day.

Where our numbers come from

Income and price limits: OHFA's 2025 exhibits, released September 1, 2025. OHFA's program page still linked them on Oct 8, 2026.

Rates: OHFA's rates page, posted at 10:00 a.m. on business days. These are from Oct 8, 2026. OHFA says to confirm rates with it, and its Reservation Portal wins over anything else.

Assistance and program rules: OHFA's lender training from February 5, 2026.

OHFA and your lender decide, after they look at your credit, debts and the house. All 77 counties' limits are on our methodology page.

Worked example: the assistance on a $250,000 home

With an FHA loan and 3.5% down, the base loan is $241,250.00. Adding the 1.75% upfront premium makes the total loan $245,471.88. OHFA's 3.5% assistance is figured on that total: $8,591.52.

GOLD and DREAM side by side

Comparison of OHFA GOLD and DREAM rules
GOLDDREAM
First-time buyerRequired, except in targeted areasNot required
Income countedEveryone 18+ in the householdThe borrowers' qualifying income
Income limitBy county and household size$150,000 (government); by county (conventional)
Price limit$349,525; $427,198 targeted$356,362 government; $453,100 conventional
Assistance3.50% of the total loan3.50% of the total loan (0% on DREAM ZERO)

Income limits and targeted areas

GOLD's limit depends on the county, the household size and whether the home is in a targeted tract. In Oklahoma County it's $97,700 for 1–2 people and $112,355 for 3 or more. In a targeted tract it rises to $117,240 and $136,780.

A targeted area is a qualified census tract or an area where OHFA wants more homeownership. Buying in one raises GOLD's limits and drops the first-time-buyer rule. OHFA lists 57 counties as entirely non-targeted and 20 as a mix. When you pick one of those 20, the “?” next to the tract question lists its targeted tracts.

The assistance, and who gets a lower rate

The assistance is a 0% second mortgage with no monthly payment. It's due when the first mortgage ends, when you sell or refinance, or when you stop living in the home. Every GOLD and DREAM borrower watches OHFA's short education video first.

Teachers and school workers, first responders and state employees get a GOLD rate 0.125% lower (OHFA's 4Schools, Shield and State Employees rates). They still have to meet GOLD's limits.

Related: OHFA next to USDA, VA, FHA and local down payment help →

What your lender checks

OHFA's lender training lists a 640 minimum middle credit score for most loans, and up to 45% to 50% debt-to-income on FHA loans. GOLD loans can owe a federal recapture tax if you sell within 9 years at a gain. To see the payment at OHFA's rate, use the mortgage calculator.

Related: A loan officer the site owner recommends →

Questions

Do I have to be a first-time buyer?

For GOLD, yes, unless you buy in a targeted area. OHFA counts you as a first-time buyer if you haven't owned your home in the 3 years before you apply. DREAM has no first-time-buyer rule.

How much is OHFA's down payment assistance?

3.5% of the total loan on GOLD and DREAM (0% on DREAM ZERO). On a $245,471.88 FHA loan that's $8,591.52.

What's the most I can pay for a home?

GOLD: $349,525, or $427,198 in a targeted area. DREAM: $356,362 with a government loan and $453,100 conventional. These apply in all 77 counties.

Sources

  1. Oklahoma Housing Finance Agency (OHFA), Interest Rates (Oct 8, 2026; retrieved Oct 8, 2026)
  2. Oklahoma Housing Finance Agency (OHFA), Down Payment Assistance Products (Jun 1, 2022; retrieved Oct 8, 2026)
  3. Oklahoma Housing Finance Agency (OHFA), 2025 GOLD Government income limits (Exhibit H-1A), purchase price limits (H-2A), target areas (H-3) (Sep 1, 2025; retrieved Oct 8, 2026)
  4. Oklahoma Housing Finance Agency (OHFA), 2025 GOLD Freddie Mac HFA Advantage income limits (Exhibit H-1F), H-2A, H-3 (Sep 1, 2025; retrieved Oct 8, 2026)
  5. Oklahoma Housing Finance Agency (OHFA), 2025 DREAM Government income limits (Exhibit H-1C) and purchase price limit (H-2B) (Sep 1, 2025; retrieved Oct 8, 2026)
  6. Oklahoma Housing Finance Agency (OHFA), 2025 DREAM Freddie Mac HFA Advantage 115% income limits (Exhibit H-1D) and purchase price limit (Sep 1, 2025; retrieved Oct 8, 2026)
  7. Oklahoma Housing Finance Agency (OHFA), Lender Training, February 5, 2026 (Feb 5, 2026; retrieved Oct 8, 2026)
  8. U.S. Department of Housing and Urban Development (HUD), Mortgagee Letter 2023-05: Annual mortgage insurance premium rates (Mar 20, 2023; retrieved Oct 8, 2026)
  9. U.S. Department of Housing and Urban Development (HUD), Loans (FHA) (Oct 8, 2026; retrieved Oct 8, 2026)

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