Oregon offers 39 down payment assistance programs to help homebuyers cover their down payment and closing costs. This includes 12 grant programs that never require repayment. Programs range from statewide options administered by the state housing finance agency to local city and county programs targeting specific communities.
Maximum assistance available reaches $200,000 through the most generous program. Credit score requirements start as low as 620 for some programs. Most programs require the home to be your primary residence, and many require homebuyer education.
Top Down Payment Assistance Programs in Oregon
Highlighted programs that combine high assistance amounts with statewide or major-metro availability. See the full list below.
Proud Ground Down Payment Assistance Grant
openProud Ground (Community Land Trust)
50% below market rate; (2 (max UP TO $140,000 to $200,000 (varies by city/county grant; final amount based on need))
Tigard Down Payment Assistance Grant
openProud Ground
$200,000
City of Gresham Downpayment Assistance Grant
openProud Ground
$143,500
Washington County Downpayment Assistance Grant
openProud Ground
$140,000
Marion County Down Payment Assistance Program
verifyMarion County (administered through DevNW)
UP TO $125,000 per family (gap between mortgage loan and home value)
Grant Programs (12)
Grants are the gold standard of down payment assistance. You receive the money and never have to pay it back.
Proud Ground Down Payment Assistance Grant
Proud Ground (Community Land Trust)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- Conventional
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
CLT track: Grant lowers purchase price; buyer leases land via 99-year agreement with resale restrictions. WashCo track: Grant terms not fully detailed; contact Proud Ground.
Additional Requirements
CLT track: Must qualify for minimum $250,000 mortgage with Proud Ground preferred lender. CLT track: Must have at least $5,000 in personal savings for earnest money and inspections. Must complete 8-hour first-time homebuyer class. CLT track: $100 registration fee (effective June 2025), 60 hours sweat equity post-purchase. WashCo track: 4 grants available (AVAILABLE status confirmed at time of research)
Notes
Community land trust model with shared equity and resale restrictions. Proud Ground retains land lease. DPA grants administered for Portland ($150,000), Washington County ($140,000), Gresham ($143,500), Tigard ($200,000). Must qualify for minimum $250,000 mortgage with preferred lender. ITIN and Islamic Compliance loans available. $5,000 minimum personal savings. DTI limits 38%/45%. HUD-certified counseling required. $100 registration fee.
Tigard Down Payment Assistance Grant
Proud Ground
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Not specified
City of Gresham Downpayment Assistance Grant
Proud Ground
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Not specified
Washington County Downpayment Assistance Grant
Proud Ground
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- $550,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Not specified
Down Payment Assistance Program
SILETZ TRIBAL HOUSING DEPT.
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium, Manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Yes
Down Payment Assistance
Confederated Tribes of Grand Ronde - Housing
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Yes
FHLBank Des Moines Home$tart Program
Federal Home Loan Bank of Des Moines (via FHLB member financial institutions)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family, condo, townhome, manufactured, 2-4 unit
- Max Price
- Varies by area (per FHLB Des Moines purchase price limits)
Quick Facts
- Loan Types
- FHA, VA, USDA, Conventional
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Forgivable over 5 years (pro-rata monthly over 60 months). Repayable if home sold, transferred, or no longer primary residence within 5 years.
Additional Requirements
Must work with FHLB Des Moines member financial institution (consumers cannot apply directly). Must complete homebuyer education. Signed purchase agreement required at time of reservation. No non-occupant co-signers on title
Notes
FHLBank Des Moines district includes Oregon. $15,000 grant per household ($7,500 Home$tart, $15,000 Home$tart Plus). First-time buyer (no ownership in 3 years). 80% AMI. Homebuyer education required. 5-year deed restriction, forgiven pro rata over 60 months. Must work with FHLB Des Moines member financial institution. Manufactured homes must be on permanent foundation and titled as real property. FUNDS DEPLETED as of January 27, 2026. 2026 funds released quarterly but may be exhausted.
Homebuyer Incentive Program
Boardman Community Development Association
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD, HUD +2
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Not specified
HOME Foundation Buyers Assistance Grant
Oregon REALTORS HOME Foundation / Rogue Valley Association of Realtors (RVAR)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- At or below state median income ($64,600...
- Min Credit Score
- Not specified
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Conventional
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Grant. No repayment required.
Additional Requirements
Must be pre-approved for conventional or government insured/guaranteed home loan. Must contribute at least $500 of own funds. Applications accepted through local REALTOR association offices in Oct/Nov each year
Notes
Funded by Rogue Valley Association of Realtors (RVAR) and Oregon Association of Realtors (OAR). First-time buyer, Jackson or Josephine County, primary residence. Income below State of Oregon Median Income ($64,600). Buyer must contribute minimum $500 own funds. Must complete ACCESS 'Realizing the American Dream' homebuyer education class and meet with certified housing counselor within last 12 months. Must be pre-approved for conventional or government-insured loan.
ACCESS Homeownership Program
ACCESS
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low-moderate income
- Min Credit Score
- Not specified
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, VA, USDA, Conventional
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Grant. No repayment required.
Additional Requirements
Must complete HUD-certified homebuyer education course. Must contribute minimum $500 toward closing costs
Notes
Home Ownership Assistance Program (HOAP) provides DPA and closing cost assistance in Jackson and Josephine Counties. Income at or below State of Oregon Median Income per HUD guidelines. Must be primary residence. Must enroll in ACCESS 'Realizing the American Dream' homebuyer education and meet for pre-purchase counseling. Contact: (541) 774-4305 or hocinfo@accesshelps.org.
Oregon Bond Residential Loan Program
Oregon Housing and Community Services (OHCS)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Income and purchase price limits apply
- Min Credit Score
- 620+
- Property Types
- single-family, condo, townhome, PUD, manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, VA, USDA, Conventional
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Grant. No repayment required.
Notes
DISCONTINUED as of March 31, 2025. Replaced by OHCS Flex Lending Program (FirstHome / NextStep). Not owned in 3 years. Occupancy requirement: Primary residence
HOAP Down Payment Assistance
Community in action
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Yes
Forgivable Loans (5)
Forgivable loans are forgiven after a set period of living in the home. If you stay, you keep the money.
Marion County Down Payment Assistance Program
Marion County (administered through DevNW)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low-moderate income
- Min Credit Score
- Not specified
- Property Types
- single-family
- Max Price
- 95% or lower of area median home price
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Partially forgiven if ownership retained for at least 10 years. Due on sale or refinance.
Additional Requirements
Must complete homebuyer training course (DevNW). $1.1 million in program funding available; annual allocation ~$382,000
Notes
Property must be in Marion County outside Salem city limits. Must meet HUD housing quality standards. First-time buyer, 80% AMI. Funded via HOME Investment Partnerships Program. Marion County became HUD entitlement community recently. DevNW provides homebuyer education. Must qualify for traditional home mortgage.
Portland Down Payment Assistance Loan (DPAL)
Portland Housing Bureau (PHB)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Deferred for 30 years. 50% forgiven at 15th anniversary, then 3% of original loan per year from year 16-29, remaining balance forgiven at year 30. Due on sale, refinance, or if no longer primary residence.
Notes
First-time buyer required. HUD-approved homebuyer education required. Must work with PHB community partner (AAAH, Hacienda CDC, NAYA, PCRI, Portland Housing Center). 10% of award set aside as grant for post-purchase home improvement. $500 minimum borrower investment. Max $10,000 liquid assets at closing. Portland city limits only.
OHCS Down Payment Assistance Program
Oregon Housing and Community Services (OHCS)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 100% AMI
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
DPA Grant forgiven fully after 5 years of owner-occupancy. Flex Lending is a repayable second mortgage.
Additional Requirements
25% of funds reserved for veterans
Notes
First-time and/or first-generation homebuyers. 25% of funds reserved for Oregon veterans. Administered through awarded community organizations (ACCESS, DevNW, Proud Ground, PCRI, Portland Housing Center, etc.). Grant or forgivable second lien. Occupancy requirement: 5 years owner-occupancy for full forgiveness.
Gresham WELCOME HOME Program
City of Gresham
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low income
- Min Credit Score
- Not specified
- Property Types
- single-family, manufactured
- Max Price
- $499,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Low income (HOME program limits); 2025 income limits apply
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
0% interest deferred-payment loan forgiven at end of 15 years. Min assistance $10,000, max $40,000.
Additional Requirements
Must qualify for primary mortgage with Oregon-licensed approved partner lender. Funded by federal HOME Investment Partnerships Program (HUD)
Notes
First-time buyer required. Must be purchasing in Gresham city limits. Single-family unit only meeting City property standards and inspection. Must be primary residence for length of loan. Must qualify for primary mortgage with Oregon licensed approved partner lender.
OHCS Flex Lending Program (FirstHome / NextStep)
Oregon Housing and Community Services (OHCS)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Up to $125,000 applicant income
- Min Credit Score
- 620+
- Property Types
- single-family, condo, townhome, PUD, manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, VA, USDA, Conventional
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
At/below 80% AMI: forgivable silent second (0% interest, no payments, forgiven monthly pro-rata after year 5). Above 80% AMI: 30-year amortizing second mortgage at 1% above first mortgage rate.
Additional Requirements
Must work with OHCS-approved lender. At/below 80% AMI: 0% interest silent second, forgiven pro-rata after year 5. Above 80% AMI: 30-year amortizing second at 1% above first mortgage rate. Helped 954 households in 2025. Replaces Oregon Bond Residential Loan Program (prior branding)
Notes
FirstHome product requires first-time buyer; NextStep allows repeat buyers. Occupancy requirement: Owner-occupied primary residence
Deferred Payment Loans (16)
Deferred loans require no monthly payments while you live in the home. You repay when you sell, refinance, or move out.
Down Payment Assistance
Columbia Cascade Housing Corp
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Not specified
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Veteran Down Payment Assistance Loan Program
Community Connection of Northeast Oregon Inc.
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Forgivable - Fully forgiven at closing or forgiven on a schedule
Springfield Downpayment Assistance Program
DevNW
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, Manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
NCRA Homebuyer Assistance
Clackamas County
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family
- Max Price
- $335,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
WNHS Project Reinvest Loan
Willamette Neighborhood Housing Services (WNHS). now DevNW
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 100% AMI
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Interest-free deferred loan. Repayment due on sale of home or refinance of first mortgage.
Additional Requirements
Must complete 8 hours of homebuyer education. Must complete at least 1 hour of individual home purchase consultation
Notes
Available in Lane, Linn, Marion, Clackamas, Coos, Benton, Lincoln Counties. Income within 100% AMI. Must complete NEDCO or WNHS homebuying course and meet for homeownership consultation.
WNHS Extra Step Loan
Willamette Neighborhood Housing Services (WNHS). now DevNW
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Interest-free deferred loan. Repayment due on sale of home or refinance of first mortgage.
Additional Requirements
Must complete 8 hours of homebuyer education. Must complete at least 1 hour of individual home purchase consultation
Notes
First-time buyers in Linn, Benton, or Lincoln Counties. Income at or below 80% AMI. Contact WNHS: (541) 752-7220 or info@w-nhs.org.
HPOF Homeownership Program
Washington County Office of Community Development
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $316,236
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD, HUD +2
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Umatilla Saves Program
Nixyaawii Community Financial Services
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Not specified
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Washington County First Home Program
Washington County Office of Community Development
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low-moderate income
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Repayment Terms
Varies by administering partner and track.
Additional Requirements
Two application tracks: DPA applicants and Permanent Affordability applicants. Funded by Housing Production Opportunity Fund (HPOF). Administered through partners: Habitat for Humanity Portland Region, Portland Housing Center
Notes
Administered through nonprofit partner organizations, not directly to buyers. Provides down payment/closing cost assistance, limited repairs, principal reduction, and education. Income range: 35-99% AMI. Funded by Housing Production Opportunity Fund (HPOF). FY 2026/27 funding: $1,068,894. Applications through ZoomGrants.
DevNW
DevNW
Eligibility Snapshot
- First-Time Buyer
- Not specified
- Income Limit
- Varies
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Not specified
Notes
DUPLICATE of DevNW Down Payment Assistance at index 845. DevNW serves Benton, Clackamas, Lane, Lincoln, Linn, Marion, Polk counties.
PCRI Homeownership Program
Portland Community Reinvestment Initiatives (PCRI)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low-moderate income
- Min Credit Score
- Not specified
- Property Types
- single-family, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Varies by specific DPA program used. Contact PCRI for details.
Additional Requirements
Must attend twice-monthly homeownership orientation. Pre-purchase counseling, group homebuyer education, financial fitness certification required. Post-purchase support provided
Notes
PCRI develops new homes for first-time buyers in North/Northeast Portland and provides homeownership education and counseling. Part of Pathway 1000 initiative. May use PHB DPAL funds. Enrollment period typically in fall. Monthly homebuyer workshops available.
Home Purchase
NeighborImpact
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Repayment Terms
Deferred Payment - Repayable at sale or refinance
NeighborWorks UMPQUA Down Payment Assistance Program
NeighborWorks Umpqua
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium, Manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Home Pathways
Rockwood Community Development Corp.
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1, USDA-RD
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Chenoa Fund FHA Down Payment Assistance Forgivable
CBC Mortgage Agency (Chenoa Fund)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, 2 units, Leasehold, Condominium, Townhouse/PUD, Manufactured
- Max Price
- $766,550
Quick Facts
- Loan Types
- FHA
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Chenoa Fund FHA Down Payment Assistance Repayable
CBC Mortgage Agency (Chenoa Fund)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, 2 units, Leasehold, Condominium, Townhouse/PUD, Manufactured
- Max Price
- $766,550
Quick Facts
- Loan Types
- FHA
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
Note rate 1% above the first mortgage note rate
Repayment Terms
This loan does require a monthly payment on the second mortgage.
Second Mortgages (3)
These programs provide DPA as a second mortgage, sometimes with monthly payments, sometimes deferred.
Portland Housing Center Mortgage Assistance Program (MAP)
Portland Housing Center
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Varies
- Min Credit Score
- Not specified
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- second mortgage
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
Low fixed rate
Repayment Terms
Fixed-interest rate loan (often 30 years). This is not a grant. repayment is required.
Additional Requirements
Must work with Portland Housing Center
Notes
MAP 80 offers up to $80,000 for down payment and closing costs. Covers up to 20% of purchase price. Can eliminate need for mortgage insurance. $500 minimum down payment. Serves Multnomah, Washington, Clackamas, Yamhill, Columbia Counties. First-time buyers only, 80% AMI.
Springfield Home Ownership Program (SHOP)
City of Springfield
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family, manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- second mortgage
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Fully forgiven after 10 years of residency
Notes
No available funding as of June 2025. When funded: up to $25,000, interest-free deferred loan, repayment due on sale/refinance/transfer. Buyer must contribute at least 50% of minimum down payment required by primary lender. Springfield city limits only.
NeighborImpact Down Payment Assistance (Central Oregon)
NeighborImpact
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low-moderate income
- Min Credit Score
- Not specified
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, VA, USDA, Conventional
- Assistance Type
- second mortgage
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
Set by Lending Committee; max 2% above primary mortgage rate
Repayment Terms
30-year amortized loan with monthly payments (interest rate typically capped at 2% above first mortgage rate). Not forgivable.
Notes
Funded by City of Bend. Low-interest DPA loans covering up to 20% of sale price, eliminating need for mortgage insurance. Deschutes, Crook, Jefferson Counties and Confederated Tribes of Warm Springs. Back-end DTI cannot exceed 55%. Must occupy property.
How to Apply for Down Payment Assistance in Oregon
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1
Check Your Eligibility
Use our free eligibility tool to see which programs match your situation. Enter your state, city, income, and target home price.
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2
Contact the Program Administrator
Each program has its own application process. Visit the program website or call the administering agency to get started. Many programs work through approved lenders.
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3
Get Pre-Approved with a Participating Lender
Not every lender participates in every DPA program. Work with a lender who is approved for the programs you want. The program administrator can provide a list of approved lenders.
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4
Complete Homebuyer Education (If Required)
Many programs require a HUD-approved homebuyer education course. Online options through eHome America and Framework are accepted by most programs.
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5
Close & Move In
DPA funds are typically disbursed at closing alongside your first mortgage. Your lender coordinates the DPA program paperwork as part of the loan process.
Frequently Asked Questions
How much down payment assistance can I get in Oregon?
Up to $200,000 through available programs in Oregon. Multiple programs can often be combined for even more assistance. The exact amount depends on your income, location, and the specific program requirements.
Do I need to be a first-time homebuyer?
Not always. 6 programs in Oregon are open to repeat buyers. "First-time buyer" is typically defined as not having owned a home in the past three years.
What credit score do I need?
As low as 620 for some programs. Most programs require 620-660. Higher credit scores may qualify you for more programs and better terms.
Can I combine multiple DPA programs?
In many cases, yes. Some programs are specifically designed to be layered with others. For example, you might combine a state grant with a local deferred loan. Check with each program administrator about stacking eligibility.
DPA Programs in Nearby States
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