How Incentives and Down-Payment Assistance Make New Homes More Affordable for Oklahomans
When people hear the word affordable, they sometimes imagine corners being cut or quality being sacrificed. At Two Structures Homes, we’re proving that affordability and craftsmanship can go hand in hand.
Through the Oklahoma Housing Finance Agency (OHFA) program, we’ve built homes in downtown OKC that are solid, energy-efficient, and designed for long-term value - often the least expensive way to live in a well-built home in the city.
Live the downtown lifestyle you want, not the one an older home forces on you. Our OHFA-financed homes are energy-efficient and low-maintenance, so you can enjoy city living without the headaches of constant repairs.
Opening Doors with OHFA
The OHFA program is a game-changer for everyday Oklahomans. Qualified buyers can receive 3.5% down-payment assistance, and for those who meet additional criteria - there’s an extra 5% available. Perfect for such as teachers, first responders, and state employees!
Buyers need a 640 or higher credit score, and the program works for both first-time and repeat buyers. Yet, many who qualify don’t realize it.
“We meet hardworking people every week - teachers, firefighters, and public employees - who assume they can’t afford a home yet. The truth is, many already qualify under the OHFA program; they just need the right guidance.”
So far, most of our buyers have used VA benefits, which offer excellent terms for veterans. But OHFA opens that same level of opportunity to civilians and essential workers who want to own instead of rent.
A Win-Win for Buyers and Builders
From a builder’s perspective, this program makes a huge difference behind the scenes. Because OHFA funds allow us to build without paying interest during construction - and with lower financing fees than a traditional bank loan - we can pass 4-5% savings directly to our buyers.
Rather than pocketing those savings, we reinvest them into the home itself - including a fence, blinds, and refrigerator in every OHFA-financed Two Structures Home. That’s real, move-in-ready value for families watching every dollar.
Bridging the Knowledge Gap
While the program has tremendous potential, many real estate agents and buyers don’t yet understand how it works.
“Honestly, most Realtors still need to be educated on OHFA,” I tell my team. “Our job is to get the word out - because too many qualified buyers are sitting on the sidelines thinking they can’t qualify.”
Through our sales team and social media education, we’re helping people realize that owning a new home may be closer - and easier - than they ever imagined.
True Affordability Lasts Beyond Closing Day
An affordable mortgage is only part of the story. Our homes are built with energy-efficient materials and construction techniques - 2×6 exterior walls, post-tension foundations, tankless hot-water heaters, Tyvek wrap, and Energy Star certification.
These features deliver lower utility bills and healthier indoor air quality year-round. And as energy costs continue to rise, those savings become even more meaningful.
“Energy efficiency doesn’t just save money today - it protects homeowners from tomorrow’s rising rates.”
When you factor in reduced utility costs, many buyers find that their total monthly expense for a new Two Structures home is actually less than renting an older, less efficient property.
Why Affordability Programs Matter
Affordability initiatives like OHFA aren’t charity - they’re smart economics.
They allow builders like us to keep quality high without cutting wages or squeezing vendors.
“Our material and labor costs continue to increase. No one wants to cut a subcontractor’s pay or chisel a vendor - these programs help us save money through smarter financing instead.”
By reducing construction financing costs, OHFA helps keep new homes attainable for the hardworking families who form the backbone of Oklahoma.
Built Better. Made Possible.
At Two Structures Homes, we believe everyone deserves a home that’s built better - efficient, durable, and within reach. Incentives and down-payment assistance don’t cheapen that vision; they make it possible.
If you’ve been told homeownership is out of reach, let’s talk.
With the right incentive and a smart financing program, you may be closer to your first new home than you think - and you won’t have to compromise on quality to get there.
For more information on this OHFA program.