NOTICE
The application portal for the Oklahoma Homeowner Assistance Fund closed to new applications on
Wednesday, March 20, 2024. Submitted applications are being processed.

Oklahoma Homeowner
Assistance Fund

Check Application Status

Toll Free: (833) 208-2535

Frequently Asked Questions

Resources for Homeowners

With the Oklahoma Homeowner Assistance Fund being closed to new applicants, homeowners in need of assistance should contact one of these organizations to discuss their options.

995HOPE Foreclosure Prevention
888-995-HOPE (4673)

Legal Aid Services of Oklahoma, Inc.

VA Help to Avoid Foreclosure

FHA Help to Avoid Foreclosure

Funding Dashboard

Last Updated September 16, 2024

Households Served

3,515

Counties Served

Amount Disbursed/Approved

$59,489,127

Funds Available

$14,509,695

Funds Requested

$8,003,706

Eligibility Guidelines

Approved applicant households are eligible to receive a ONE-TIME grant award up to a maximum of $35,000 paid to vendors on their behalf.

Eligible Applicants

Eligible applicants must meet all of the following criteria:

Homeowners in Oklahoma who occupy the property as their primary residence
Home cannot be listed for sale by homeowner
Homeowner must be able to maintain the current mortgage payment on the home after receiving HAF assistance
Homeowners who have experienced a COVID-19 qualified financial hardship after January 21, 2020
Homeowners applying for mortgage assistance must be 30 days delinquent, in a forbearance plan, or entering or completed a loan modification, including a partial claim or deferral mortgage amount, to mitigate the COVID-related delinquency
Homeowners who have completed a loan modification due to COVID-related delinquency may be eligible to receive assistance
Homeowners who are United States citizens or those who can show proof of legal status
Homeowners who are delinquent at the time of application according to specified guidelines
Homeowners who are at or below 100% of the Area Median Income or homeowners who are socially disadvantaged and are at or below 150% of the Area Median Income

Socially Disadvantaged Definition

Homeowners who are socially disadvantaged may qualify if they are at or below 150% of the Area Median Income. Socially Disadvantaged indicators include the following:

Member of a group that has been subjected to racial or ethnic prejudice or cultural bias within American Society: African American, Hispanic/Latino, Native American, LGBTQ+,
First-generation homeowner
A resident of a minority-majority census tract
Individuals with limited English proficiency
A resident of a US Territory, Indian reservation, or Hawaiian Home Land
An Individual who lives in a persistent poverty county, meaning any county that has had 20% or more of its population living in poverty over the past 30 years as measured by the three most recent decennial censuses.Oklahoma Persistent Poverty Counties include: Adair, Caddo, Cherokee, Choctaw, Greer, Harmon, Haskell, Hughes, Johnston, McCurtain, Okfuskee, Payne, Pushmataha, Seminole, Sequoyah, and Tillman

Eligible Expenses

Eligible Mortgages

Eligible mortgages must be a residential mortgage secured by an instrument of government or government-sponsored entity or financed by a nonprofit, bank, credit union, or mortgage company that adheres to the widely accepted mortgage lending and mortgage servicing practices monitored by the Consumer Federal Protection Bureau or a builder-financed mortgage loan or manufactured home retail financing entity.
Excluded mortgages include seller-financed transactions, rent-to-own transactions, and family-financed transactions.

The mortgage Loan amount cannot exceed the conforming loan limit for the loan type in the year of loan origination.