Oregon · DPA program

OHCS Flex Lending NextStep

4-5% DPA — repeat buyers welcome

4-5% DPA for ANY buyer — not limited to first-time. Forgivable or repayable depending on income.

OHCS NextStep extends DPA to repeat buyers in Oregon. Given Portland's affordability challenges, many former homeowners need assistance to re-enter ownership in a market that has dramatically appreciated.

Amount4-5% DPA — repeat buyers welcome

TypeDPA program

Available inOregon

First-time buyer requiredNo

Minimum credit score620

Multi-unit eligibleYes — 1-4 units

House-hack eligible

No first-time buyer requirement. Forgivable for lower-income buyers, repayable for moderate.

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 Down Payment Assistance $60,000

Oregon · Grant / Forgivable

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

Oregon · Forgivable loan

Portland Housing Bureau DPA $100,000

City of Portland · Deferred 0% loan

All Oregon programs →

Get your free stacking strategy

We'll show you how to combine OHCS Flex Lending NextStep with other programs to maximize your free money — personalized to your ZIP code and income.

Or get matched with a lender who knows this program →

All Oregon programs →