Grants, forgivable loans, and subsidized mortgages — many Oregon buyers qualify for $160,000+ in assistance and don't even know it.
Find your programs →Click any program for full details, eligibility, and how to apply.
Up to $60,000 or 20% of price. Grant or forgivable. For first-time and first-generation buyers under 100% AMI.
Grant / ForgivableHouse-hack eligible4-5% of loan amount as DPA. Forgivable for buyers under 80% AMI. First-time buyers only.
Forgivable loanHouse-hack eligible4-5% DPA for ANY buyer — not limited to first-time. Forgivable or repayable depending on income.
DPA programHouse-hack eligibleUp to $80,000 ($100K in targeted areas). 0% interest, no payments, 30-year deferred second mortgage.
Deferred 0% loan3.5% down payment with 580+ credit. The most popular first-time buyer loan in America.
Subsidized loanHouse-hack eligibleZero down payment, no PMI for eligible veterans and active-duty service members.
Federal benefitHouse-hack eligibleZero down payment for rural and suburban areas. 97% of US land qualifies.
Subsidized loan3% down with reduced mortgage insurance for low-to-moderate income buyers.
Subsidized loanHouse-hack eligible3% down with flexible funding sources including gifts and employer assistance.
Subsidized loanHouse-hack eligibleNo down payment, no closing costs, no PMI, below-market rate. Character-based lending.
Nonprofit programHouse-hack eligible50% off purchase price for teachers, law enforcement, firefighters, and EMTs.
GrantThere are 4 state-specific programs and 7 federal programs available in Oregon, totaling 11 programs.
Not all programs require first-time buyer status. Several Oregon programs are available to repeat buyers. 'First-time buyer' means you haven't owned a home in the past 3 years.
Yes. Many DPA programs allow 1-4 unit properties. Live in one unit and rent the others — this is called house-hacking.