EXHIBIT 4


                   AGREEMENT TO FURNISH COPIES OF INSTRUMENTS
                         WITH RESPECT TO LONG-TERM DEBT

         The Registrant has entered into certain agreements with respect to
long-term indebtedness, which do not exceed ten percent of the total assets of
the Registrant and its subsidiaries on a consolidated basis. The Registrant
hereby agrees to furnish a copy of such agreements to the Commission upon
request of the Commission.



                                             OAKWOOD HOMES CORPORATION



                                             By:  /s/  Suzanne H. Wood
                                                -------------------------------
                                                Suzanne H. Wood
                                                Executive Vice President and
                                                Chief Financial Officer