OHCS Flex Lending (FirstHome / NextStep)

OHCS Flex Lending (FirstHome / NextStep) is a second_loan from Oregon Housing and Community Services (OHCS). Available statewide in Oregon. Up to 5% toward a home purchase.

Up to 5%

Listed as open as of May 26, 2026

Available statewide in Oregon.

Source Oregon Housing and Community Services (OHCS)·official program page·Verified May 26, 2026

Provider: Oregon Housing and Community Services (OHCS) · program details at the provider’s site.

Check what you qualify for Ask Cal about your situation

See if OHCS Flex Lending (FirstHome / NextStep) fits your purchase

Tell Cal how to reach you and a licensed loan officer will walk through this program, what it stacks with, and what you would actually qualify for. No spam, no list-selling.

More Oregon programs

Oregon Bond + DPA

First mortgage with DPA options · Amount varies by program
Oregon RateAdvantage

Lowest-rate first mortgage · Amount varies by program
Oregon CashAdvantage

Below-market rate + 3% grant · Amount varies by program
Oregon Flex Lending

Flexible loan + DPA · Up to $60,000
OHCS Flex Lending - FirstHome

below-market first mortgage with DPA second · Amount varies by program
OHCS Flex Lending - NextStep

below-market first mortgage with repayable or forgivable second · Amount varies by program
Oregon Bond Residential Loan - Cash Advantage

grant (cash advantage) with below-market first mortgage · Amount varies by program
Oregon Bond Residential Loan - Rate Advantage

below-market first mortgage · Amount varies by program