Down Payment Assistance by State & County

“How do I save for a down payment?” is a GREAT question many first time home buyers ask!

The links below will introduce you to programs that will match your down payment funds. They will also help  you determine how much you need for  a down payment.

Surprise, there are loan programs out there that do not require 20% down!


Section 184 Indian Home Loan Guarantee Program

Area Serviced: (Nationwide)

Phone: (800) 561-5913

Native American Direct Loan for Veterans

Area Serviced: (Nationwide)

Phone: (888) 349-7541

Disability Housing Grants for Veterans

Area Serviced: (Nationwide)


Statewide – First Time home Buyer Savings Account 

Area Serviced:  (All counties)

Phone: 503.378.4988


Oregon Bond Residential Loan Program

Area Serviced: (All counties)

Phone Number: 503.986.2000


FHLB – Des Moines  Home $tart

Income Limits and Purchase Price Limits

Area Serviced:  (All counties)

Phone: 800.544.3452


Portland Housing Center – Down Payment Assistance 

Area Serviced: ( All counties)

Phone Number: (503) 282-7744


Single Family Housing Direct Loans in Oregon

Check eligibility here

Area Serviced: (Statewide and any area that is a city of population less than 35,000)

Phone Number: 866.923.5626 ext 1 or 503.414.3300

By County

NeighborImpact – Matched Savings  

Area Serviced: (Deschutes County, Crook County, Jefferson, Confederated Tribes of Warm Springs)

Phone Number: 541.548.2380


Community Connection of Northeast Oregon, Inc

Area Serviced: (Baker, Grant, Union, Wallowa Counties)

Phone Number: 541.963.3186


Community in Action 

Area Serviced: (Malheur County)

Phone Number: 541.889.9555


City of Corvallis – First Time Home Buyer Loan Program 

Area Serviced: (City of Corvallis Only)

Phone Number: 541.766.6944


Mid Columbia Housing Authority & Columbia Cascade Housing Corp. 

Area Serviced: (Hood River, Sherman, and Wasco county)

Phone Number: 541.296.5462


Welcome Home Program – Gresham 

Area Serviced: (Requires that the home be purchased within Gresham city limits)

Phone Number: 503.618.3000


NCRA Housing Rehabilitation and Homebuyer Assistance Program

Area Serviced: (Clackamas County)

Phone Number: 503.742.4322


Access Building Community

Area Serviced:  (Josephine & Jackson County)

Phone: 541.779.6691


Housing Authority of Yamhill County

Area Serviced: (Yamhill County)

Phone Number: 503.883.4300


PCRI – Homeownership

Area Serviced: (Multnomah County)

Phone Number: 503.288.2923