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