Skip to content
Purchase Mortgage Loan
Get Pre-Approved

Oregon down payment assistance programs

Quick answer

Oregon buyers can get down payment help from Portland Housing Bureau (PHB); households selected via community partners (AAAH, Hacienda CDC, NAYA, PCRI, Arrive). Its Down Payment Assistance Loan (DPAL) offers Up to $80,000 - $100,000, depending on funding source and location of home. Most programs require using the agency's first mortgage, meeting income limits and completing homebuyer education. Details below come from the official agency site.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsPrograms last verified

What down payment assistance does Oregon offer?

ProgramAmountTypeMin. creditFirst-time only?
Down Payment Assistance Loan (DPAL)Up to $80,000 - $100,000, depending on funding source and location of homeDeferred-payment loanNot statedYes

How do I apply for Oregon down payment assistance?

  1. Find a participating lender approved by Portland Housing Bureau (PHB); households selected via community partners (AAAH, Hacienda CDC, NAYA, PCRI, Arrive).
  2. Get pre-approved for the agency's first mortgage and confirm you meet income and price limits.
  3. Complete the required homebuyer education course.
  4. Your lender reserves the assistance when you go under contract.

Cities in Oregon

PortlandEugeneSalemGreshamHillsboroBendBeavertonMedfordSpringfieldCorvallis

Other states with verified programs

AlabamaArkansasCaliforniaColoradoConnecticutDelawareDistrict Of ColumbiaFloridaIdahoIllinois

Frequently asked questions

Down Payment Assistance Loan (DPAL): Up to $80,000 - $100,000, depending on funding source and location of home.

Most verified programs here target first-time buyers or have eligibility exceptions; check each program's official page.

The agency sets credit requirements with its participating lenders; most require at least a 620–640 score.

Sources

Data last updated October 25, 2026.

Find a lender for Oregon assistance

Answer a few quick questions and get matched with purchase mortgage lenders in your area. Free, and it won't affect your credit score.

Get My Matches

Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.