Oregon • First-Time Homeowner programs
First-Time Homeowner grants in Oregon
Browse first-time homeowner grants available in Oregon, including statewide and local programs.
8 active programs in Oregon
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RootedHomesORFirst-Time HomeownerLayered down payment assistance grants and subordinate financing combined with community land trust resale restrictions to keep homes permanently affordable
Updated: Dec 6, 2025
RootedHomes’ Homebuyers Program combines community land-trust homeownership with generous, targeted down payment assistance—up to $60,000 or 20% of the purchase price for qualifying first-generation veteran buyers—to keep homes permanently affordable in fast-growing Central Oregon markets like Bend, Redmond and Sisters.
Eligible for: First-time homebuyers in Deschutes County (often with income at or below 80% AMI, with select opportunities up to 120% AMI) who do not own o…
Proud GroundORFirst-Time HomeownerNeed based down payment grant layered with community land trust shared equity home purchase; grant does not require monthly repayment but is subject to resale and affordability restrictions
Updated: Dec 6, 2025
Proud Ground’s Portland Down Payment Assistance Grant is a high-impact, city-funded grant that can provide up to $150,000 toward down payment costs, making homeownership in Portland significantly more attainable for income-qualified first-time buyers.
Eligible for: First-time homebuyers purchasing a home within Portland city limits who meet household income limits, currently live in the city, qualify fo…
City of Gresham – Community RevitalizationORFirst-Time HomeownerZero percent interest deferred payment second mortgage funded with HUD HOME dollars, forgiven after 15 years of compliant owner occupancy with shared appreciation recapture if the home is sold earlier
Updated: Dec 6, 2025
Gresham’s WELCOME HOME program provides a forgivable, 0% interest second loan up to $40,000 to help qualified first-time buyers tackle down payment and closing costs, dramatically reducing the cash needed to purchase a home in the city.
Eligible for: Low-income, first-time homebuyers purchasing a primary residence within Gresham city limits who qualify for a first mortgage with a particip…
DevNWORFirst-Time HomeownerZero percent interest deferred second mortgage loan funded with CDBG and HUD allocations, generally repaid when the home is sold or the first mortgage is refinanced and limited to about half of the required minimum down payment up to 25000 dollars.
Updated: Dec 6, 2025
DevNW’s Springfield Downpayment Assistance Program offers up to $25,000 in no-interest down payment and closing-cost assistance to first-time homebuyers, making it one of the most visible Springfield-specific DPA options for lower-income households.
Eligible for: First-time homebuyers (no homeownership in past 3 years) purchasing an eligible single-family or manufactured home on owned land within Spri…
NeighborImpactORFirst-Time HomeownerFully amortizing low interest second mortgage loan covering up to 20 percent of the purchase price with a term of up to 30 years and an interest rate capped at no more than 2 percentage points above the first mortgage rate.
Updated: Dec 6, 2025
NeighborImpact’s First Time Homebuyer DPA is a Central Oregon program that adds a low-interest second mortgage up to 20% of the purchase price on top of a primary loan, helping first-time buyers bridge their down payment and closing-cost gap without resorting to high-cost financing.
Eligible for: Low- to moderate-income first-time homebuyers (no ownership in past 3 years) whose income is at or below area median income (AMI), who will …
Portland Housing CenterORFirst-Time HomeownerCombination of low interest second mortgages such as MAP 80 loans plus grants and matched savings accounts that provide down payment and closing cost assistance for registered first time homebuyers.
Updated: Dec 6, 2025
Nonprofit Portland Housing Center (PHC) packages low-rate second mortgages, grants, and matched savings into customized down payment assistance solutions for registered first-time homebuyers across the Portland metro area.
Eligible for: First-time homebuyers who become registered Portland Housing Center clients, typically with household incomes up to about 80% AMI for MAP 80…
Portland Housing BureauORFirst-Time HomeownerZero percent interest deferred payment second mortgage funded by the Portland Housing Bureau that can provide up to roughly 80000 to 100000 dollars in down payment and closing cost assistance with forgiveness potential after about 15 years of compliant owner occupancy.
Updated: Dec 6, 2025
The Portland Down Payment Assistance Loan (DPAL) is a heavily subsidized second-mortgage program administered by the Portland Housing Bureau that gives first-time buyers up to six figures in 0% interest down payment and closing-cost assistance when they purchase a home in the city.
Eligible for: First-time homebuyers purchasing a primary residence within Portland city limits who work with a Homebuying Counselor at a listed community …
Oregon Housing and Community Services – ReOregonORFirst-Time HomeownerForgivable 30 year deferred payment second mortgage funded with disaster recovery resources where one thirtieth of the loan is forgiven each year of compliant owner occupancy until fully forgiven after 30 years.
Updated: Dec 6, 2025
Disaster-recovery Down Payment Assistance (DPA) program that helps wildfire survivors become first-time homebuyers again by providing large forgivable loans for down payment and closing costs in Oregon’s 2020 disaster-impacted counties.
Eligible for: Households in Clackamas, Douglas, Jackson, Klamath, Lane, Lincoln, Linn, or Marion counties whose homes were damaged or destroyed by the 202…