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OHCS Flex Lending - FirstHome

OHCS Flex Lending - FirstHome is a below-market first mortgage with dpa second from Oregon Housing and Community Services (OHCS). Available statewide in Oregon. For first-time buyers. Income limit: Varies by county and household size; income limits aligned with OHCS bond program (approx $99,200-$165,200).

Amount varies by program
Listed as open as of May 26, 2026

Available statewide in Oregon.

First-time buyerRequired
Income limitVaries by county and household size; income limits aligned with OHCS bond program (approx $99,200-$165,200)
Minimum credit score620
Homebuyer educationRequired
OccupationsAny
Sales price capVaries by county; ~$510,939-$864,798
Amount notes4% or 5% of loan amount as down payment assistance
NotesReplaced/revamped the Oregon Bond Residential Loan structure. Contact HCS_HomeownershipLending@hcs.oregon.gov. Funded by $163 million 2024 bond sale.
Phone503-986-2000
Source Oregon Housing and Community Services (OHCS)·official program page·Listed
Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.

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

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