Down payment assistance in Oregon
72 programs are listed for Oregon: grants, forgivable loans, deferred seconds, first mortgage products and tax credits from state, county, city, tribal, nonprofit and regional providers. Every amount and rule below comes from the provider’s published terms.
72
Programs
23
Statewide
49
County and city
$15,000
Largest listed grant
Browse by county
-
1 local program
-
1 local program
-
1 local program
-
1 local program
-
1 local program
Statewide programs
-
First mortgage with DPA options · Amount varies by program · Oregon Housing & Community Services (OHCS)
-
Lowest-rate first mortgage · Amount varies by program · OHCS
-
Below-market rate + 3% grant · Amount varies by program · OHCS
-
Flexible loan + DPA · Up to $60,000 · OHCS
-
below-market first mortgage with DPA second · Amount varies by program · Oregon Housing and Community Services (OHCS)
-
below-market first mortgage with repayable or forgivable second · Amount varies by program · Oregon Housing and Community Services (OHCS)
-
grant (cash advantage) with below-market first mortgage · Amount varies by program · Oregon Housing and Community Services (OHCS)
-
below-market first mortgage · Amount varies by program · Oregon Housing and Community Services (OHCS)
-
forgivable / deferred / grant (varies by partner) · Amount varies by program · Oregon Housing and Community Services (OHCS)
-
below-market first mortgage (state-funded, separate from federal VA) · Amount varies by program · Oregon Department of Veterans' Affairs (ODVA)
-
MCC tax credit · Amount varies by program · Oregon Housing and Community Services (OHCS) / City of Portland
-
matched savings (5:1 match) · Amount varies by program · OHCS / Neighborhood Partnerships (administrator)
-
below-market second mortgage (100% financing) · Amount varies by program · Hacienda Community Development Corporation
-
IDA matched savings + affordable Habitat mortgage · Amount varies by program · Habitat for Humanity of Oregon
-
shared cooperative ownership of manufactured home community · Amount varies by program · CASA of Oregon (Community and Shelter Assistance Corp)
-
insured first mortgage with low down payment · Amount varies by program · U.S. Federal Housing Administration
-
guaranteed first mortgage, zero down · Amount varies by program · U.S. Department of Veterans Affairs
-
lender tax credit (indirect tenant benefit) · Amount varies by program · Oregon Housing and Community Services
-
forgivable_loan · Up to $60,000 or Up to 20% · Oregon Housing and Community Services (OHCS)
-
second_loan · Up to 5% · Oregon Housing and Community Services (OHCS)
-
grant · Up to 3% · Oregon Housing and Community Services (OHCS)
-
below_market_rate · Amount varies by program · Oregon Housing and Community Services (OHCS)
-
grant · Up to $15,000 · Federal Home Loan Bank of Des Moines
County and city programs
-
deferred silent second mortgage · Up to $100,000 · Portland Housing Bureau (PHB)
-
shared equity / community land trust (with DPA grants) · Amount varies by program · Proud Ground
-
below-market silent second loan · Amount varies by program · Portland Housing Center
-
deferred 0% interest second mortgage · Amount varies by program · City of Gresham Community Revitalization
-
deferred 0% interest second mortgage (matching) · Amount varies by program · City of Salem
-
deferred second mortgage / shared appreciation (varies by partner) · Amount varies by program · Washington County Office of Community Development
-
grant (via CLT) · Amount varies by program · City of Hillsboro (via Proud Ground)
-
deferred second mortgage · Amount varies by program · City of Beaverton / Portland Housing Center
-
deferred second mortgage · Amount varies by program · Clackamas County Community Development
-
deferred interest-free loan with shared appreciation · Amount varies by program · DevNW (NeighborWorks affiliate)
-
deferred second mortgage · Amount varies by program · City of Eugene
-
deferred 0% interest second mortgage · Amount varies by program · City of Springfield (administered by DevNW)
-
deferred 0% interest second mortgage · Amount varies by program · City of Corvallis
-
low-interest deferred second mortgage · Amount varies by program · NeighborImpact
-
deferred second mortgage · Amount varies by program · City of Bend (via NeighborImpact)
-
builder credit (indirect buyer benefit) · Amount varies by program · Deschutes County / NeighborImpact / Housing Works / COBA
-
shared equity / community land trust · Amount varies by program · RootedHomes
-
deferred second mortgage / grant · Amount varies by program · ACCESS (Jackson/Josephine community action)
-
deferred grant / forgivable loan · Amount varies by program · NeighborWorks Umpqua
-
deferred second mortgage · Amount varies by program · Columbia Cascade Housing Corporation (CCHC)
-
deferred second mortgage / grant · Amount varies by program · CAPECO
-
deferred shared-appreciation second mortgage · Amount varies by program · Community Connection of Northeast Oregon
-
deferred / grant · Amount varies by program · Community in Action
-
counseling, IDA matched savings, DPA referral · Amount varies by program · Polk CDC + Yamhill County Affordable Housing Corporation
-
DPA grants + IDA + counseling · Amount varies by program · AAAH
-
counseling + HUD 184 packaging + DPA referral · Amount varies by program · Native American Youth and Family Center
-
affordable mortgage on Habitat-built home (sweat equity) · Amount varies by program · Habitat for Humanity Portland Region
-
favorable-terms loan for DPA · Amount varies by program · Klamath Tribes Housing Department
-
grant · Amount varies by program · Confederated Tribes of Grand Ronde Housing Department
-
forgivable grant · Amount varies by program · Confederated Tribes of Siletz Indians
-
grant / favorable-terms · Amount varies by program · Warm Springs Housing Authority
-
below-market first mortgage with low down payment · Amount varies by program · U.S. Department of Housing and Urban Development (HUD)
-
below-market direct mortgage with payment subsidy · Amount varies by program · USDA Rural Development - Oregon Office
-
guaranteed first mortgage (lender originates) · Amount varies by program · USDA Rural Development - Oregon
-
50% home price discount via silent second · Amount varies by program · U.S. Department of Housing and Urban Development
-
direct mortgage from VA · Amount varies by program · U.S. Department of Veterans Affairs
-
deed-restricted affordable home purchase + DPA from Housing Trust Fund · Amount varies by program · City of Ashland
-
deferred 0% interest loan · Amount varies by program · Linn-Benton Housing Authority / DevNW
-
grant · Amount varies by program · Wells Fargo + NeighborWorks America + Portland Housing Center
-
Section 8 voucher applied to mortgage payments · Amount varies by program · Housing Authority of Yamhill County
-
IDA matched savings + grants · Amount varies by program · Portland Housing Center
-
affordable mortgage with sweat equity · Amount varies by program · McMinnville Area Habitat for Humanity
-
IDA matched savings · Amount varies by program · NEOEDD
-
Section 184 packaging + tribal DPA · Amount varies by program · CTCLUSI Tribal Housing
-
tribal housing assistance + Section 184 access · Amount varies by program · Cow Creek Band Wili Department
-
tribal DPA + Section 184 · Amount varies by program · CTUIR Housing Department
-
deferred_loan · Up to 20% · NeighborImpact
-
deferred_loan · Up to $25,000 · Marion County (Community Development / CDBG)
-
deferred_loan · Amount varies by program · City of Salem
National programs
38 federal and national programs apply in every state. See the national programs.
Find your Oregon match
Tell Cal how to reach you and a licensed loan officer will narrow these 72 programs to the ones your income, county, and credit actually fit. No spam, no list-selling.