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Down Payment Assistance Loan (DPAL)

Quick answer

Down Payment Assistance Loan (DPAL) is a Oregon down payment assistance program from Portland Housing Bureau (PHB); households selected via community partners (AAAH, Hacienda CDC, NAYA, PCRI, Arrive). It provides Up to $80,000 - $100,000, depending on funding source and location of home as a deferred-payment loan. It is aimed at first-time buyers. Eligibility, income limits and funding are set by the agency, so confirm current terms on its official page.

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

Eligibility notes

0% interest 30-year second mortgage, payments deferred until sale/refi/non-occupancy; optional forgiveness (50% at year 15, 3%/yr years 16-29, remainder at year 30) if compliant; 10% of award to Home Improvement Grant Fund; $500 origination fee; no ownership in past 3 years; funding subject to availability (page c 2018-2026).

Where does Down Payment Assistance Loan (DPAL) apply?

This city-level program is available to buyers in Portland. Cities on our site where it applies:

DetailProgram terms
AssistanceUp to $80,000 - $100,000, depending on funding source and location of home
TypeDeferred-payment loan
Minimum creditNot published on the program page
First-time buyerRequired
Income limits100% AMI (some awards capped at 80% AMI)

How does Down Payment Assistance Loan (DPAL) work with an FHA loan?

Oregon's 2026 FHA one-unit limits start at $541,287, which supports a price of about $560,000 with 3.5% down.

Where do I confirm current terms?

On the official page: https://www.portland.gov/phb/down-payment-assistance-loan. Programs can pause when funds run out, so confirm availability with a participating lender.

← All Oregon down payment assistance programs

Frequently asked questions

Up to $80,000 - $100,000, depending on funding source and location of home, according to Portland Housing Bureau (PHB); households selected via community partners (AAAH, Hacienda CDC, NAYA, PCRI, Arrive).

It's a deferred loan — no monthly payments, repaid when you sell, refinance or pay off the first mortgage.

100% AMI (some awards capped at 80% AMI)

Sources

Data last updated October 25, 2026.

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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.