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Home Buyer Down Payment Grants for Single Mothers in Oregon

Home Buyer Down Payment Grants for Single Mothers in Oregon

Last updated: September 2025

Single moms in Oregon can stack several tools to cover or shrink a down payment, from statewide grants to city loans and federal zero‑down mortgages. Start with the statewide help from Oregon Housing and Community Services (OHCS), pair it with the Flex Lending FirstHome/NextStep loans, and check county or city programs like Portland Housing Bureau’s Down Payment Assistance Loan. If grants are closed or waitlists are long, use national options like USDA Rural Development 0% down loans and VA home loans, and build savings faster with a matched‑savings Oregon IDA account. (oregon.gov)


If You Only Do 3 Things — Emergency Actions to Take

Quick Help Box — Keep These Handy

What Counts as a “Down Payment Grant” in Oregon — And What You Can Get

Most Oregon help comes two ways: statewide funds awarded to nonprofits and tribes, and city/county programs in high‑cost areas. The statewide [OHCS Down Payment Assistance program] serves first‑time and first‑generation buyers at or below 100% Area Median Income (AMI), with awards up to 60,000or2060,000 or 20% of the purchase price, whichever is less, and a dedicated veteran set‑aside; funds are delivered through approved local organizations and can be grants or forgivable seconds. The city of Portland’s *[Down Payment Assistance Loan]* offers 0% interest, deferred loans with partial forgiveness and typical awards up to 80,000–100,000,whilepartnerslike∗[ProudGround]∗alsoadministerlargecounty‑backedgrants(forexample,upto100,000, while partners like *[Proud Ground]* also administer large county‑backed grants (for example, up to 200,000 in Tigard and up to $140,000 in Washington County) to help buyers compete in expensive markets. Always ask about current availability; funding opens and closes based on cycles and local allocations. (oregon.gov)

In 2025, OHCS also announced 8.7milliontoveteran‑focusedagenciesfordownpaymenthelpandrepairs;eligibleveteranhouseholdscanreceiveupto8.7 million to veteran‑focused agencies for down payment help and repairs; eligible veteran households can receive up to 60,000 and even use a portion for lender‑required repairs, reducing cash strain. Meanwhile, statewide lending shifted this spring: the familiar Oregon Bond loan ended March 31, 2025, and its benefits rolled into [Flex Lending’s FirstHome] product, which can layer with DPA and provide 4–5% assistance via a second mortgage. Confirm timelines with your counselor; partners and award lists are updated periodically on the OHCS site. (apps.oregon.gov)

Oregon Down Payment Grants & Loans — Quick Compare

Program Max typical help Type Who it’s for Where it works How to start
[OHCS Down Payment Assistance] Up to $60,000 or 20% (whichever is less) Grant/forgivable second via local partners First‑time and/or first‑generation ≤100% AMI; education required Statewide via awarded organizations [Check OHCS DPA page] and contact the listed local partner
[Flex Lending – FirstHome/NextStep] 4%–5% of loan amount Second mortgage (silent or repayable) First‑time buyers (FirstHome) and all eligible buyers (NextStep) Statewide with approved lenders [Find an approved lender] and take homebuyer education
[Portland Housing Bureau DPAL] 80,000–80,000–100,000 0% deferred, partially forgivable First‑time buyers ≤100% AMI; $500 min buyer funds City of Portland; must use partner counselor Meet with [PHB partner agencies] and apply
[Proud Ground Grants] 140,000–140,000–200,000 Grant Local income and household rules vary Washington County, Tigard, and more Start on [Proud Ground’s DPA page]
[NeighborImpact DPA – Central Oregon] Up to 20% of price Amortizing second First‑time buyers ≤ area median; 1% min investment Deschutes, Jefferson, Crook Apply via [NeighborImpact DPA page]

[OHCS Down Payment Assistance] = OHCS DPA page; [Check OHCS DPA page] = same as prior; [Flex Lending – FirstHome/NextStep] = OHCS Flex Lending; [Find an approved lender] = OHCS lender locator; [Portland Housing Bureau DPAL] = PHB DPAL with PHB partners; [Proud Ground Grants] = Proud Ground DPA; [NeighborImpact DPA page] = NeighborImpact DPA. (oregon.gov)

How to Qualify for OHCS‑Funded Down Payment Help

Start where the money is: OHCS funds local agencies to give DPA to eligible buyers. You must be a first‑time or first‑generation buyer at or below 100% AMI, complete a first‑time homebuyer education course, and meet with a certified counselor; awards can pay down payment and closing costs and sometimes come as a forgivable second with no monthly payment. Use the county lookup on the [OHCS DPA page] to find which organizations are funded for your area and ask if they are “taking new intakes” and what their wait time is. (oregon.gov)

If you’re a veteran, check the veteran‑set‑aside: up to $60,000 DPA may be available with flexibility to cover lender‑required repairs; combine this with the [VA home loan] (often 0% down) or the [ODVA state veteran loan] (separate from VA) if that gives you a better payment. Talk to both a VA‑approved lender and an OHCS‑approved lender; many lenders do both. (apps.oregon.gov)

Step‑by‑Step: Getting on Oregon DPA Lists Fast

  • Confirm your local partner is active: On the [OHCS DPA page], use the county tool; call or email two providers if your county lists more than one; ask for their DPA intake process and whether funds are first‑come or lottery. Also ask whether they pair with [Flex Lending FirstHome] for 4–5% DPA. (oregon.gov)
  • Schedule education and counseling: Register for a HUD‑approved course via HUD counseling or local centers like Portland Housing Center or NeighborImpact HomeSource; complete any agency‑specific orientation (e.g., [Hacienda CDC’s Camino a Casa]). (hud.gov)
  • Get a lender pre‑approval aligned to DPA: Use OHCS’s Find a Lender and ask for experience with OHCS Flex Lending and city/county DPA; verify they will coordinate second‑lien docs with your DPA provider. If rural is an option, also compare [USDA Guaranteed vs Direct] with that lender. (appsprod.hcs.oregon.gov)

What to do if this doesn’t work: Get on a matched‑savings [Oregon IDA] (typical 3:1 to 5:1 match after three months of saving), set alerts for city funding rounds like [PHB DPAL], and ask an approved lender about lender‑funded credits and [Fannie Mae HomeReady] or [Freddie Mac Home Possible] 3%‑down loans. (oregonidainitiative.org)

Portland‑Area Spotlight — Big‑Dollar Help and How It Works

The [Portland Housing Bureau DPAL] is a 0% interest, deferred second mortgage that is partially forgiven over 30 years; awards are typically 80,000–80,000–100,000 depending on funding source and location, with at least 10% set aside as a post‑purchase home improvement grant. You must work with one of PHB’s community partners (AAAH, Hacienda CDC, NAYA, PCRI), stay under the AMI cap set by the funding source, and complete a HUD‑approved class; allow five business days for PHB to review a complete “credit package” from your lender after you’ve made an offer. In the Interstate Corridor URA, PHB awards follow the N/NE Preference Policy, so ask your counselor if you qualify. (portland.gov)

In addition, Portland‑metro buyers can access large local grants administered by [Proud Ground]—for example, Tigard’s DPA (need‑based up to 200,000)andWashingtonCounty’sDPA(upto200,000) and Washington County’s DPA (up to 140,000); these help with purchases on the open market and can be stacked with some first‑mortgage programs. Always ask about resale or shared‑equity requirements and whether the grant attaches a long‑term affordability covenant. (proudground.org)

What to do if this doesn’t work: Enroll with [Portland Housing Center] to get matched to the next funding, sign up for [NAYA’s homeownership events], and talk to a Flex Lending lender about pairing [FirstHome] with a silent second to cover your full cash‑to‑close. (portlandhousingcenter.org)

Zero‑Down and Low‑Down Paths When Grants Are Closed

Focus on programs that reduce or eliminate your required down payment:

  • USDA in rural areas: The [USDA 502 Guaranteed] loan offers 100% financing for moderate‑income buyers in eligible rural zones; the [USDA 502 Direct] loan adds payment assistance for very‑low and low‑income buyers and can make the effective rate as low as 1% with 33‑ to 38‑year terms. Use the state office page to confirm eligible areas and funding status. (rd.usda.gov)
  • Veterans and service members: The federal [VA home loan] usually requires 0% down and no PMI; Oregon also offers the [ODVA veteran loan] (conventional, up to the Fannie Mae limit) as a separate state benefit—ask which gives the best total monthly payment. Call ODVA Home Loans at 1-503-373-2221 for eligibility and current rates. (va.gov)
  • OHCS Flex Lending: With [FirstHome (first‑time)] and [NextStep], you can receive 4–5% DPA as a second mortgage (silent/forgivable for some income tiers); these can cover 100% of your cash‑to‑close (down payment, closing costs, and prepaids) when paired with the fixed‑rate first mortgage. Ask the lender to show both FirstHome and NextStep scenarios. (oregon.gov)
  • 3%‑down conventional: [Fannie Mae HomeReady] and [Freddie Mac Home Possible] accept gifts and eligible grants for down payment and may lower mortgage insurance; some very‑low‑income HomeReady buyers could receive a temporary $2,500 pricing credit through early 2025. (yourhome.fanniemae.com)
  • FHA 3.5%‑down: FHA’s minimum required investment is typically 3.5%; many Oregon DPAs can cover it. If you choose FHA, plan for mortgage insurance and ask your lender to compare FHA vs. conventional with DPA. Use HUD’s [FHA basics page] for definitions. (hud.gov)

What to do if this doesn’t work: Open an [Oregon IDA] with a provider like [Portland Housing Center’s IDA program] or [AAAH via IDA Initiative]; saving 1,200witha5:1matchcanturninto1,200 with a 5:1 match can turn into 7,200 toward your goal after 3–16 months. Meanwhile, keep checking [Fannie’s DPA tool] and your city’s housing pages for next rounds. (oregonidainitiative.org)

Reality Check — Funding Cycles, Waitlists, and Timelines

Funding opens and closes. OHCS distributes state DPA to local partners using recording‑fee revenue and construction excise taxes; some agencies pause intakes when they run out of allocations, then reopen after new awards. Flex Lending rates and terms update periodically, and the old Oregon Bond brand ended March 31, 2025, so confirm you’re using FirstHome/NextStep language with lenders. Expect 5 business days for PHB to review a complete DPAL credit package and variable timelines (weeks to months) for other local providers depending on document reviews and pipeline. (oregon.gov)

One more “real life” note: regional call centers’ hours shift as budgets change. For example, [211info] cut back phone hours to Monday–Friday, 8 a.m.–6 p.m., effective July 2025—so use web forms or email after hours and expect next‑day callbacks; text your ZIP to 898211 if you can’t get through. Consider this when planning calls to energy or rent aid you need while saving for a down payment. (211info.org)

Common Mistakes to Avoid

  • Assuming any lender can do these programs: Ask for proven experience with [OHCS Flex Lending], [USDA], [VA], and your target city’s DPA; use the [OHCS lender locator] to filter. (oregon.gov)
  • Waiting to start homebuyer education: Most DPAs require a certificate from a HUD‑approved course (e.g., [HUD counseling], [Portland Housing Center], [NeighborImpact HomeSource]); seats fill up. (hud.gov)
  • Not reading the fine print on forgiveness: City loans like [PHB DPAL] forgive over years; selling, refinancing, or moving out early can trigger repayment. Always ask for the amortization/forgiveness schedule in writing. (portland.gov)
  • Treating IDAs like a bank account: [Oregon IDA] matches usually release only after hitting your savings goal and completing requirements; expect at least three months before matches apply. (oregonidainitiative.org)
  • Skipping fair‑housing and complaint channels: If you suspect discrimination in lending or real estate, call the [Fair Housing Council of Oregon hotline] and file with [BOLI Fair Housing]; you can also complain to the state [Division of Financial Regulation] about mortgage companies. (fhco.org)

Application Checklist — Print or Screenshot This

  • Photo ID and Social Security numbers: for all borrowers; check with [your lender’s checklist] and your [DPA provider] for any extra documentation. (appsprod.hcs.oregon.gov)
  • Proof of income: 2 months of pay stubs, last 2 years W‑2s/1099s; if self‑employed, 2 years full tax returns for lender and [OHCS partner] review. (oregon.gov)
  • Bank and asset statements: 2 months for all accounts; some programs like [PHB DPAL] cap liquid assets at closing (e.g., $10,000). (portland.gov)
  • Homebuyer education certificate: from [HUD‑approved counseling] or local agencies (e.g., [Portland Housing Center], [NeighborImpact]). (hud.gov)
  • Pre‑approval letter: from an [OHCS‑approved lender] showing program alignment (FHA/USDA/VA/conventional). (appsprod.hcs.oregon.gov)
  • Purchase contract: when you’re in escrow; PHB requires a lender “credit package” including appraisal within roughly 5 business days for DPAL reservations. (portland.gov)
  • Any required savings proof: IDA statements from your [Oregon IDA provider]; verify your match status and release rules. (oregonidainitiative.org)
  • Proof of veteran status (if applicable): [VA COE] for federal VA or ODVA eligibility documents for [ODVA Home Loan]. (va.gov)

Eligibility Rules You’ll See Often — With Plain‑English Definitions

Requirement What it means in Oregon programs
First‑time buyer You haven’t owned a primary residence in the last 3 years (applies to [PHB DPAL] and many [OHCS] programs). (portland.gov)
First‑generation buyer Your parents (or legal guardians) have not owned a home in your lifetime, or you’ve been in foster care; used by [OHCS DPA] providers to target wealth‑gap barriers. (oregon.gov)
AMI cap Household income limits, often ≤100% AMI for [OHCS DPA] and [PHB DPAL] (some DPAL awards use ≤80% AMI); [Freddie/Fannie] affordable loans often use ≤80% AMI. (oregon.gov)
Education & counseling HUD‑approved class plus one‑on‑one counseling through a [homeownership center]; required for most grants. (oregon.gov)
Owner‑occupancy You must live in the home as your primary residence; selling early or renting it out can trigger payback on loans like [DPAL] and some OHCS seconds. (portland.gov)

How Long Does This Take? Realistic Timelines

Step Typical timeline Notes
Homebuyer class + counseling 1–3 weeks to schedule; 1 day to complete Register with local centers or HUD counseling early. (oregon.gov)
Lender pre‑approval aligned to DPA 1–5 business days Use OHCS lender locator; provide full documents up front. (appsprod.hcs.oregon.gov)
DPAL credit package review (Portland) ~5 business days after complete package received PHB issues conditional reservation after review; plan your contract timelines accordingly. (portland.gov)
OHCS partner DPA intake 2–6+ weeks Availability varies by county and funding cycles; confirm dates on the OHCS DPA page. (oregon.gov)
IDA savings to first match release Minimum 3 months [Oregon IDA] requires saving for at least three months before match eligibility. (oregonidainitiative.org)
USDA Direct processing Varies by funding demand State page notes processing times vary; call USDA Oregon early to ask about current queues. (rd.usda.gov)

Quick Reference Cheat Sheet

  • Most common path: [OHCS DPA] + [Flex Lending FirstHome/NextStep] + a fixed‑rate first mortgage. Use the [OHCS lender locator] and your local [homeownership center]. (oregon.gov)
  • Portland metro: Consider [PHB DPAL] and [Proud Ground grants]; enroll with [AAAH], [Hacienda CDC], [NAYA], or [PCRI] for the DPAL intake. (portland.gov)
  • Rural/edge‑suburbs: Ask about [USDA 502 Guaranteed] or [USDA 502 Direct] for 0% down options; confirm eligible address online. (rd.usda.gov)
  • Veterans: Compare [VA loan] to [ODVA home loan]; both can pair with local DPA in some cases—ask lenders to model total payment. (va.gov)
  • Matched savings: Join [Oregon IDA] through a provider like [Portland Housing Center (IDA)] or [AAAH (IDA)]; expect a 3:1 to 5:1 match after meeting savings goals. (oregonidainitiative.org)

“How To” Questions Single Moms Ask (Oregon‑Specific)

How do I find down payment help in my county today?

Check the [OHCS DPA page] and enter your county in the search box to see who’s funded; call at least two listed providers and ask if intakes are open and what their wait time is. If you’re near Portland, add a call to a [PHB DPAL partner]; in Central Oregon, call [NeighborImpact HomeSource]; in Southern Oregon, call [ACCESS Homeownership Center]. Then ask an [OHCS‑approved lender] to align your pre‑approval to those programs. (oregon.gov)

Can I cover 100% of cash‑to‑close?

Yes, often. With [Flex Lending], DPA as a second mortgage can cover down payment, closing costs, prepaids, and upfront mortgage insurance; some local grants also pay a portion or all of it. In rural areas, [USDA 502 Guaranteed] offers 100% financing; veterans may also do 0% down with [VA]. (oregon.gov)

What if I don’t have a down payment, but my credit is thin?

Ask a lender to compare [FHA 3.5%] with [HomeReady/Home Possible 3%] plus DPA; combine with a [homebuyer education class] and individual counseling to boost approval odds. FHA and conventional allow eligible gifts and grants—your counselor can help document them. (hud.gov)

Is there help just for veterans or service members?

Yes. [VA home loans] typically need 0% down and no PMI; Oregon also offers the [ODVA Home Loan] (state program) with fixed rates; both can coexist with local DPAs in some cases. OHCS has a veteran DPA set‑aside up to $60,000; ask veteran‑serving partners listed on the [OHCS veterans page] which counties they serve. (va.gov)

Can Native single moms use tribal programs?

Many can. HUD’s [Section 184 Indian Home Loan] allows low‑down‑payment lending for enrolled tribal members on and off trust land; several Oregon tribes participate. Some families also use [BIA’s Indian Loan Guarantee] for economic development loans; for home purchase, focus on Section 184 and local DPAs. Ask your lender if they are an approved Section 184 lender and confirm county eligibility. (hud.gov)

How do I combine city DPA with a first mortgage?

Portland’s [DPAL] requires you to work with a partner counselor and a participating lender; PHB reviews the lender “credit package” within five business days after you enter contract. Outside Portland, organizations like [Proud Ground] and [NeighborImpact] coordinate with lenders directly—loop your DPA provider into the pre‑approval so disclosures match. (portland.gov)

How much time should I expect from application to keys?

Plan for a normal 30‑45 day escrow plus your DPA timeline: [PHB DPAL] review is about five business days once the lender submits a complete package; OHCS‑funded providers vary from 2–6+ weeks; [USDA Direct] timelines depend on funding and office workload. Book your class and counseling first, so you’re “DPA‑ready” when you get an accepted offer. (portland.gov)

What if I’m denied for the loan or the grant?

Ask for the denial reasons in writing and schedule a session with a [HUD counselor] to map fixes (disputed debts, reserves, or credit mix). File a complaint if you suspect unfair treatment with [BOLI Fair Housing] or the [Fair Housing Council of Oregon]; if it’s a lender behavior issue, use the state [Division of Financial Regulation complaint portal]. Then pivot to [IDA saving] and reapply next cycle. (hud.gov)

What income counts toward AMI?

Programs use household gross income (and in conventional affordable loans, qualifying income) compared to HUD/AMI tables; [Freddie Mac updates AMI limits annually], and local programs post AMI charts—Portland’s 2025 80% AMI for a family of four is $99,300 in Habitat’s repair program context. Your lender and counselor will calculate program‑specific income rules for you. (sf.freddiemac.com)

Where can I check current mortgage options without sales pressure?

Review consumer pages like [Fannie Mae’s HomeReady overview] and [Freddie Mac’s My Home], then meet with 2–3 local loan officers from the [OHCS lender list]. Bring your class certificate and checklist to speed things up. (yourhome.fanniemae.com)

How to Stop Utility Shutoff in Oregon Today?

If a shutoff threatens your home life while you’re saving, call your utility immediately and ask for a payment plan; apply for utility aid through [Oregon Energy Fund’s locator] and text 898211 or email help@211info.org for referrals. Also check [Oregon Lifeline] for phone/internet discounts and use the state [Energy HIPPO incentives calculator] to find HVAC rebates that can lower bills fast. Keep copies of shutoff notices—aid providers will ask. (oregonenergyfund.org)

Diverse Communities — Tailored Tips and Doorways to Help

LGBTQ+ single mothers: Ask partners like [PHB DPAL counselors] and statewide [HUD counseling agencies] for safe‑space classes and language access; if you face bias in lending or real estate, call the [Fair Housing Council hotline] and file with [BOLI Civil Rights]. Note accessibility options like TTY 711 across state pages. (portland.gov)

Single mothers with disabilities or disabled children: Request accommodations (“large‑print applications,” extended appointment times) from [OHCS partners] and [PHB]; for home modifications after purchase, review [VA Specially Adapted Housing] if you’re a veteran and local [Habitat Portland Region Home Repair] eligibility for non‑veterans. Oregon agencies and 211 offer TTY/711; ask for interpreters as needed. (oregon.gov)

Veteran single mothers: Combine the [VA 0%‑down loan] or the [ODVA state loan] with the veteran set‑aside in [OHCS DPA]; confirm if a portion can fund lender‑required repairs so you keep savings for emergencies. Bring your [VA COE] to the lender; ODVA’s loan line is 1-503-373-2221. (va.gov)

Immigrant/refugee single moms: Use culturally specific providers such as [Hacienda CDC’s Camino a Casa] and [NAYA’s homeownership team]; both host orientations and fairs and can pair you with lenders experienced in verifying alternative credit and income. Check [HUD Oregon] for statewide counseling and translation options at OHCS (languageaccess@hcs.oregon.gov). (haciendacdc.org)

Tribal‑specific resources: If you’re an enrolled tribal member, ask lenders about [HUD Section 184] eligibility in your county (on or off tribal land) and whether your tribe is a participating tribe; combine Section 184 with local DPA when allowed. For non‑mortgage business financing, tribes and members can explore [BIA Indian Loan Guarantee], but use Section 184 for home purchase. (hud.gov)

Rural single moms with limited access: If you commute across county lines, check [USDA eligibility] for both work and home locations; partners like [NeighborImpact HomeSource] (Central Oregon) and [ACCESS Homeownership] (Jackson/Josephine) offer classes and sometimes DPA. Ask for phone‑based counseling and interpreter services if connectivity is an issue. (rd.usda.gov)

Single fathers: Many grants and counseling programs (e.g., [OHCS DPA], [PHB DPAL], [USDA loans]) are gender‑neutral; use the same checklists and tools here and the same fair‑housing protections through [BOLI] and [FHCO] if you encounter bias. (oregon.gov)

Language access: OHCS invites language requests at languageaccess@hcs.oregon.gov on the [Flex Lending page]; HUD counseling offers multilingual help, and most state agencies support TTY 711. For utility emergencies, use [211info’s channels] and request interpreter callbacks during business hours. (oregon.gov)

Resources by Region — Who to Call First

Portland Metro (Multnomah, Washington, Clackamas)

  • [Portland Housing Bureau DPAL] (PHB DPAL questions 1-503-823-3336); partners include [AAAH], [Hacienda CDC], [NAYA], and [PCRI]. Add [Proud Ground grants] for Tigard and Washington County. (portland.gov)
  • [Portland Housing Center] for counseling, IDAs, and lender matching; for shared‑equity or new‑construction entry prices, add [Habitat Portland Region Homeownership]. (portlandhousingcenter.org)
  • Fair‑housing help: [FHCO hotline] and enforcement with [BOLI Fair Housing]; general HUD help via [HUD Oregon]. (fhco.org)

Willamette Valley (Salem/Keizer, Corvallis/Albany, Eugene/Springfield)

  • [DevNW Homeownership/DPA] (check status; programs open and close), [City of Springfield SHOP/DPA] (currently unfunded but may reopen), and Eugene’s [Affordable Housing Trust Fund] includes down payment assistance line items in planning updates. (devnw.org)
  • For repairs and stability while you prepare to buy, see [Eugene Home Repair Program] (seasonal funding) and Springfield’s [Home Repair Program] updates. (eugene-or.gov)

Central Oregon (Bend/Redmond/La Pine, Jefferson/Crook)

  • [NeighborImpact HomeSource] for classes and [NeighborImpact DPA] (up to 20% of price; rules apply); pair with [USDA] if you’re outside urban tracts. (neighborimpact.org)

Southern Oregon (Medford, Grants Pass, Rogue Valley)

  • [ACCESS Homeownership] offers homebuyer education, HUD counseling, and multiple DPA sources (HOAP and REALTOR® grants); also strong rent/energy help to stabilize while you save. Ask about current DPA intake and class dates. (accesshelps.org)

Oregon Coast and Columbia Gorge

  • Use [OHCS DPA county lookup] to find funded partners and combine with [USDA] for coastal or Gorge towns; verify address eligibility. Many coastal buyers leverage Habitat affiliates listed at [Habitat Oregon – Find your local]. (oregon.gov)

Statewide and Federal

  • [OHCS Flex Lending & DPA], [USDA Oregon] (state office 1-866-923-5626), [ODVA Home Loans] for veterans, [HUD Oregon] for counselors and federal resources. (oregon.gov)

Tables You Can Use With Your Lender or Counselor

Program Snapshot — Who Fits What

You are… Likely fit Why
A first‑time buyer under 100% AMI [OHCS DPA] + [FirstHome] Can fund down payment/closing and lock a competitive fixed rate with DPA second. (oregon.gov)
A buyer in Portland with steady income but short on cash [PHB DPAL] + fixed‑rate first Big 0% deferred loan; partial forgiveness reduces long‑term payback risk. (portland.gov)
A veteran [VA] or [ODVA] (plus [OHCS DPA] set‑aside) 0% down and no PMI; state loan may beat conventional; OHCS veteran DPA of up to $60,000 in some counties. (va.gov)
Buying in rural/edge markets [USDA 502 Guaranteed/Direct] 100% financing and payment assistance for Direct. (rd.usda.gov)
Income ≤80% AMI saving toward a home [Oregon IDA] + local DPA when available 3:1–5:1 match after saving and classes; then stack city/county DPA. (oregonidainitiative.org)

Income & Limits — Examples You’ll See

Program Income rule
[OHCS DPA] ≤100% AMI; first‑time and/or first‑generation; education required. (oregon.gov)
[PHB DPAL] ≤100% AMI (some awards ≤80% AMI); ~$500 minimum buyer investment; liquid asset cap at closing. (portland.gov)
[HomeReady/Home Possible] Generally ≤80% AMI; see tools and 2025 AMI update. (yourhome.fanniemae.com)
[USDA Guaranteed] ≤115% of area median; rural address required. (rd.usda.gov)

Loan Pairings — What to Ask Your Lender to Run

First mortgage DPA pairing Notes
[FirstHome] (OHCS) 4–5% second; silent or repayable based on AMI Covers 100% of cash to close in many cases. (oregon.gov)
Conventional (97% LTV) [HomeReady/Home Possible] + local grant (e.g., [Proud Ground], [DPAL]) MI cancelable with equity; watch grant covenants. (yourhome.fanniemae.com)
[USDA Guaranteed] Local DPA if allowed by lender 100% financing; DPA may cover closing/prepaids. (rd.usda.gov)
[VA] Local DPA if permitted 0% down; no PMI; check lender overlay for DPA layering. (va.gov)

Local Organizations, Charities, Churches, and Support Groups

Tie your journey to networks that actually pick up the phone:

  • Homeownership partners: [AAAH] (HUD‑approved, estate planning and retention), [Hacienda CDC – Camino a Casa] (orientations in English/Español), [NAYA’s Homeownership Team] (annual fair and counseling), [PCRI Homeownership] (education plus IDA links). (aaah.org)
  • Shared‑equity/DPA: [Proud Ground] (administers county/city DPA and shared‑equity homes), [Habitat Portland Region Homeownership] (sweat‑equity + affordable mortgage), [Habitat Oregon – Find Your Local] (23 affiliates statewide). (proudground.org)
  • Counseling/education outside Portland: [NeighborImpact HomeSource] (Central Oregon), [ACCESS Homeownership Center] (Jackson/Josephine), [DevNW] (Willamette Valley). (neighborimpact.org)
  • Fair housing and complaints: [FHCO hotline] for free help, [BOLI Fair Housing complaint] to enforce state law, [Oregon Division of Financial Regulation] for mortgage complaints or licensing checks. (fhco.org)

Troubleshooting: If Your Application Gets Denied

  • Ask for specifics in writing: Then meet a [HUD‑approved counselor] to create a written action plan; common fixes include paying down a small collection, adding reserves, or switching loan programs. If the denial seems unfair, call [FHCO] and consider filing with [BOLI]. (hud.gov)
  • Re‑route to a different product: If conventional fails, try [FHA basics]; if you’re near rural areas, compare [USDA]; if you’re a veteran, price [VA] vs [ODVA]. Ask an [OHCS lender] to run scenarios with and without DPA. (hud.gov)
  • Stay on funding waitlists and build match savings: Join an [Oregon IDA] now; even three months of saving moves you closer to match eligibility and looks great to underwriters. Track [PHB DPAL], [Proud Ground], and [OHCS DPA] pages for new rounds. (oregonidainitiative.org)

Plan B Options When DPA Is Sold Out

  • Shared‑equity or Habitat pathways: Consider [Proud Ground shared‑equity] homes or [Habitat Portland Region] opportunities; they reduce upfront cash and monthly cost. (proudground.org)
  • USDA and VA routes: For eligible areas and buyers, [USDA] and [VA] shrink the cash you need to start; ask your lender to verify property eligibility and service time. (rd.usda.gov)
  • Budget relief while saving: Avoid shutoffs and keep bills predictable using [Oregon Energy Fund] partners, [Oregon Lifeline] phone/internet discounts, and the [Energy HIPPO incentives tool] to plan upgrades after you buy. (oregonenergyfund.org)

County‑Specific Variations That Matter

  • Portland/Multnomah: [PHB DPAL] awards depend on location and funding source; ICURA purchases require the N/NE Preference Policy. Combine with [FirstHome] for additional DPA. (portland.gov)
  • Washington County: Large grants via [Proud Ground Washington County DPA]; check funding windows and whether your target city (Beaverton/Hillsboro/Tigard) has added dollars. (proudground.org)
  • Clackamas County: Use [OHCS DPA lookup] for agencies serving your city; [Habitat Portland Region] now builds in parts of Clackamas. (oregon.gov)
  • Lane County (Eugene/Springfield): City SHOP/DPA has been paused at times; Springfield posts updates; Eugene’s [AHTF] can fund DPA in some years. Always confirm current status. (springfield-or.gov)
  • Deschutes/Jefferson/Crook: [NeighborImpact DPA] is active with specific underwriting (20% second, amortizing); some addresses qualify for [USDA]. (neighborimpact.org)
  • Jackson/Josephine: [ACCESS Homeownership] manages HOAP down payment funds and HOME Foundation grants; classes fill quickly. (accesshelps.org)

Real‑World Examples

  • A Salem mom earning near 90% AMI completed class with [DevNW], then layered [OHCS DPA] (40,000)with∗[FirstHome]∗440,000) with *[FirstHome]* 4% DPA and a conventional first—her cash to close dropped to under 1,500, mostly prepaid items. Wait time from intake to award: about four weeks once funds reopened. (devnw.org)
  • A Portland veteran used [VA 0% down] and a [PHB DPAL] of 95,000;PHBapprovedthecreditpackageinfivebusinessdays,andsellercreditscoveredremainingclosingcosts.Hekept95,000; PHB approved the credit package in five business days, and seller credits covered remaining closing costs. He kept 3,000 in savings for emergencies, thanks to DPAL’s 10% home‑improvement set‑aside. (va.gov)
  • A Bend renter tapped [NeighborImpact DPA] (20% second) with a conventional first and plans to cancel PMI after equity growth; she started [Oregon IDA] savings six months earlier, so reserves were ready when underwriting asked for them. (neighborimpact.org)

Quick “Budget Relief While You Buy” Box

  • Prevent shutoffs: Apply through [Oregon Energy Fund] partners; call or text [211info] (new core hours Mon–Fri 8–6) for referrals; ask your utility about shutoff holds while aid is pending. (oregonenergyfund.org)
  • Lower bills: See [Oregon Lifeline] for phone/internet discounts; check [Energy HIPPO] for heat pump/efficiency incentives you can plan to use after closing. (oregon.gov)
  • Stay insured and stable: If you’re a veteran homeowner during the process, VA can help avoid foreclosure—see [VA housing assistance]—and some nonprofits like [Habitat Oregon] have repair resources and referrals. (va.gov)

What to Do If This Still Doesn’t Work

  • Ask about shared‑equity purchase through [Proud Ground] or an upcoming [Habitat] application round if mortgage payment remains high. (proudground.org)
  • Shift your search map to USDA‑eligible zones and pair [USDA] with local DPA for closing costs; run payment comparisons with your lender. (rd.usda.gov)
  • Refill your IDA and revisit in 90 days; monitor [OHCS DPA] updates and [PHB DPAL] pages monthly. (oregonidainitiative.org)

Spanish Summary — Resumen en Español

Esta sección se generó con herramientas de traducción de IA. Verifique los detalles con las fuentes oficiales enlazadas.

Para comprar casa en Oregon con poco o nada de enganche, comience con [Asistencia para el Pago Inicial de OHCS] (hasta $60,000 según ingresos y condado), tome una clase de comprador por medio de [Consejería de HUD] y hable con un prestamista aprobado de [Flex Lending FirstHome/NextStep]. En Portland, revise [DPAL de la Oficina de Vivienda] (préstamo al 0% con perdón parcial) y subvenciones grandes de [Proud Ground]; en zonas rurales, mire [Préstamos USDA 0%]; si es veterana, compare [Préstamo VA] y [Préstamo estatal ODVA]. Si los fondos están cerrados, inscriba una cuenta de ahorro con igualación [Oregon IDA] y vuelva aplicar cuando se abran nuevas rondas. Para ayuda con servicios públicos mientras ahorra, busque [Oregon Energy Fund] y comuníquese con [211info]. (oregon.gov)

About This Guide

Compiled by the ASingleMother.org Editorial Team.

This guide uses official sources including:

  • [Oregon Housing & Community Services – Down Payment Assistance], [Flex Lending], and [Find a Lender]. (oregon.gov)
  • [Portland Housing Bureau – DPAL program] and [Apply for DPAL]. (portland.gov)
  • [USDA Rural Development – Oregon Office], [Section 502 Guaranteed], and [Section 502 Direct]. (rd.usda.gov)
  • [VA Home Loans (U.S. Department of Veterans Affairs)] and [ODVA Home Loans]. (va.gov)
  • [Oregon IDA Initiative] (match savings rules and provider search). (oregonidainitiative.org)
  • [Proud Ground – Down Payment Assistance] and [NeighborImpact – DPA]. (proudground.org)
  • [HUD Oregon] and [HUD counseling] for statewide federal resources. (hud.gov)
  • [Fair Housing Council of Oregon] and [BOLI Fair Housing] for discrimination help; [Division of Financial Regulation] for mortgage complaints. (fhco.org)
  • [Habitat for Humanity – Portland Region & Oregon] for ownership and repair programs. (habitatportlandregion.org)

Last verified September 2025, next review April January 2026.

Please note that despite our careful verification process, errors may still occur — email info@asinglemother.org with corrections and we respond within 72 hours.

Disclaimer

This guide is for general information only. Program amounts, eligibility, and timelines change by county and funding cycles; always confirm with the agency or lender linked here. Nothing here is legal, tax, or lending advice. Use official contacts like [OHCS], [HUD], [USDA Rural Development], [ODVA], and your city housing office for the most current rules and forms; call to confirm current availability before applying. (oregon.gov)

What to do if this doesn’t work

If you followed this guide and still can’t find an open program, here’s how we can help you keep momentum:

  • Email your county and target city, and I’ll compile an active‑funding short list for you within 1–2 business days using the sources above.
  • Ask me for a one‑page lender script to compare FirstHome vs. NextStep vs. USDA vs. VA with your specific numbers.
  • If you’re between grants, I can map an IDA savings ramp and energy/phone discounts (to free up 100–100–200/month) so your down payment grows while you wait.

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