Help to buy in Oregon
Home-buying assistance programs in Oregon
3 official programs for down payment and closing cost help in Oregon, from Oregon Housing and Community Services. We show what each program says on its own page, with the date we checked it.
Key numbers in Oregon
- Verified programs
- 3
- from Oregon Housing and Community Services
- First-time buyers only
- 1
- 2 do not require it or their pages do not say
- Accept an ITIN
- 0
- per their own site · no: 0 · unconfirmed: 3
- Last checked
- November 5, 2026
- against each program’s official page
How to read the list
Not all help is the same
Amounts, limits and funding change: confirm with a participating lender.
Before you compare amounts, look at the kind of help: it changes what you pay later. These are the kinds the programs on this page use.
On ITIN, each card says what the program itself publishes: yes, no, or not confirmed on its site.
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Grant
Grant you never repay
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Forgivable
Second loan forgiven if you stay in the home
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Type not stated
The source does not say the type of help
The full list
Programs in Oregon
Filter by who qualifies, by ITIN or by kind of help. Each card quotes the source and the date we checked it.
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- Grant
- Forgivable
Oregon state funds for the down payment and closing costs, delivered by local organizations: up to $60,000 or 20% of the price, sometimes as a grant or as a forgivable second mortgage, for first-time or first-generation buyers with income up to 100% of the area median
What it gives, per the source
In some instances, DPA funds are provided in the form of a grant or forgivable second lien.
- First-time buyer?
- The source does not say whether you must be a first-time buyer
- Accepts ITIN?
- Its site does not confirm
Run by Oregon Housing and Community Services (OHCS)
Verified November 5, 2026
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- Type not stated
Oregon Housing and Community Services mortgage for low- and moderate-income first-time buyers, with down payment assistance of 4% or 5% of the loan as a second mortgage
What it gives, per the source
FirstHome is available with or without down payment assistance (DPA). DPA will be a second mortgage with terms based on income. DPA may be used to cover up to 100% of the borrower’s cash requirement to close … Borrowers can receive 4% or 5% of the first mortgage loan amount as DPA. … Standard DPA: 4% … Focused Demographics: 5%
- First-time buyer?
- First-time buyers only
- Accepts ITIN?
- Its site does not confirm
Run by Oregon Housing and Community Services (OHCS)
Verified November 5, 2026
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- Type not stated
Oregon Housing and Community Services mortgage for any buyer, including people who have owned a home before, with down payment assistance of 4% or 5% of the loan as a second mortgage that can be forgivable or repayable
What it gives, per the source
NextStep provides any homebuyer a fixed-rate first mortgage in combination with a second mortgage for down payment assistance that can be either repayable or forgivable. … Borrowers can receive 4% or 5% of the first mortgage loan amount as DPA. … Standard DPA – 4% … Focused Demographics – 5%
- First-time buyer?
- No first-time requirement
- Accepts ITIN?
- Its site does not confirm
Run by Oregon Housing and Community Services (OHCS)
Verified November 5, 2026
No program matches your search.
Help to repair your home
Repair programs in Oregon
One program we checked in Oregon to repair your home or make it more efficient, with what its page says.
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Weatherization Assistance Program
Run by Oregon Housing and Community Services (OHCS)
Oregon weatherization program: upgrades that cut energy use in low-income homes, through local agencies
Your county
Price and income limits depend on the county. Your county page has the typical value, the FHA limit and the counseling agencies that can walk you through the application.
Frequently asked questions
What is down payment assistance?
Money from a public or nonprofit program for the down payment or closing costs. It can be a grant you never repay, a second loan forgiven if you stay in the home for some years, a second loan repaid when you sell or refinance, or a tax credit (MCC) that lowers your federal taxes.
Do I need to be a first-time buyer in Oregon?
Of the 3 programs on this page, 1 requires it; the rest do not, or their page does not say. In general, “first-time buyer” means not having owned a home in the last three years.
Can I use these programs with an ITIN?
What each program’s own site says: accept an ITIN, 0; do not accept one, 0; not confirmed on its site, 3. Ask the participating lender directly before you start, and ask for it in writing.