Down payment assistance in Deschutes County, Oregon

1 county-wide program listed for Deschutes County, plus 23 statewide Oregon programs that also apply here. Every amount and rule below comes from the provider's published terms.

Deschutes County programs

• Workforce HOME (Deschutes County)
  builder credit (indirect buyer benefit) · Amount varies by program · Deschutes County / NeighborImpact / Housing Works / COBA

Oregon statewide programs (apply here too)

• Oregon Bond + DPA
  First mortgage with DPA options · Amount varies by program · Oregon Housing & Community Services (OHCS)
• Oregon RateAdvantage
  Lowest-rate first mortgage · Amount varies by program · OHCS
• Oregon CashAdvantage
  Below-market rate + 3% grant · Amount varies by program · OHCS
• Oregon Flex Lending
  Flexible loan + DPA · Up to $60,000 · OHCS
• OHCS Flex Lending - FirstHome
  below-market first mortgage with DPA second · Amount varies by program · Oregon Housing and Community Services (OHCS)
• OHCS Flex Lending - NextStep
  below-market first mortgage with repayable or forgivable second · Amount varies by program · Oregon Housing and Community Services (OHCS)
• Oregon Bond Residential Loan - Cash Advantage
  grant (cash advantage) with below-market first mortgage · Amount varies by program · Oregon Housing and Community Services (OHCS)
• Oregon Bond Residential Loan - Rate Advantage
  below-market first mortgage · Amount varies by program · Oregon Housing and Community Services (OHCS)
• OHCS Down Payment Assistance (DPA) Grant Program
  forgivable / deferred / grant (varies by partner) · Amount varies by program · Oregon Housing and Community Services (OHCS)
• ODVA Oregon Veteran Home Loan
  below-market first mortgage (state-funded, separate from federal VA) · Amount varies by program · Oregon Department of Veterans' Affairs (ODVA)
• OHCS Mortgage Credit Certificate (MCC)
  MCC tax credit · Amount varies by program · Oregon Housing and Community Services (OHCS) / City of Portland
• OHCS Individual Development Account (IDA)
  matched savings (5:1 match) · Amount varies by program · OHCS / Neighborhood Partnerships (administrator)
• Hacienda CDC CASA20 Loan Program
  below-market second mortgage (100% financing) · Amount varies by program · Hacienda Community Development Corporation
• Habitat for Humanity of Oregon (statewide IDAs)
  IDA matched savings + affordable Habitat mortgage · Amount varies by program · Habitat for Humanity of Oregon
• CASA of Oregon Manufactured Housing Cooperatives
  shared cooperative ownership of manufactured home community · Amount varies by program · CASA of Oregon (Community and Shelter Assistance Corp)
• FHA Loan Programs (Oregon)
  insured first mortgage with low down payment · Amount varies by program · U.S. Federal Housing Administration
• VA Home Loan (Federal - Oregon)
  guaranteed first mortgage, zero down · Amount varies by program · U.S. Department of Veterans Affairs
• OHCS Oregon Affordable Housing Tax Credit (OAHTC)
  lender tax credit (indirect tenant benefit) · Amount varies by program · Oregon Housing and Community Services
• OHCS Down Payment Assistance Program
  forgivable_loan · Up to $60,000 or Up to 20% · Oregon Housing and Community Services (OHCS)
• OHCS Flex Lending (FirstHome / NextStep)
  second_loan · Up to 5% · Oregon Housing and Community Services (OHCS)
• Oregon Bond Cash Advantage
  grant · Up to 3% · Oregon Housing and Community Services (OHCS)
• Oregon Bond Rate Advantage
  below_market_rate · Amount varies by program · Oregon Housing and Community Services (OHCS)
• FHLB Des Moines Home$tart Grant (OR)
  grant · Up to $15,000 · Federal Home Loan Bank of Des Moines

National programs

38 federal and national programs apply in every county. See the national programs. See all of Oregon's programs.