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OHCS Flex Lending - NextStep

OHCS Flex Lending - NextStep is a below-market first mortgage with repayable or forgivable second from Oregon Housing and Community Services (OHCS). Available statewide in Oregon. Income limit: OHCS bond income limits apply.

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

Available statewide in Oregon.

Income limitOHCS bond income limits apply
Minimum credit score620
OccupationsAny
Sales price capOHCS purchase price limits
ForgivableYes
Amount notesSecond mortgage for DPA (repayable or forgivable, amount varies)
NotesOpen to repeat buyers, not just first-time. Combined with FirstHome covers full OHCS lending menu.
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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