Oregon · Grant / Forgivable

OHCS Down Payment Assistance

$60,000

Up to $60,000 or 20% of price. Grant or forgivable. For first-time and first-generation buyers under 100% AMI.

OHCS provides up to $60,000 in DPA — reflecting Oregon's high housing costs. Portland's median exceeds $500,000, and $60,000 can cover the full down payment plus closing costs even at these elevated prices.

Amount$60,000

TypeGrant / Forgivable

Available inOregon

First-time buyer requiredYes

Minimum credit score620

Multi-unit eligibleYes — 1-4 units

House-hack eligible

$60K is one of the largest state DPAs in the country. 25% of funds reserved for veterans.

Programs that pair with this

FHA Loan Saves ~$33,000 on a $200K home vs 20% down

Federal · Subsidized loan

VA Loan $0 down + no monthly mortgage insurance

Federal · Federal benefit

NACA Program $0 down + $0 closing + $0 PMI + below-market rate

National · Nonprofit program

OHCS Flex Lending FirstHome 4-5% DPA — forgivable if under 80% AMI

Oregon · Forgivable loan

OHCS Flex Lending NextStep 4-5% DPA — repeat buyers welcome

Oregon · DPA program

Portland Housing Bureau DPA $100,000

City of Portland · Deferred 0% loan

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