We offer a variety of services and programs to help individuals and families with housing issues.
Select from the options below to learn more.

Down Payment Assistance

$15,000 for Down Payment/Closing Costs
Helping home buyers who meet the following :
  • First Time Homebuyer
  • Complete Homebuyer Education
  • Complete Financial Education
  • Able to qualify for a standard mortgage loan
  •  Participate in Homebuyer Counseling
  • Income limit, 100% of Area Median Income (see examples below)
Two women, one holding paperwork.
Photo by Ivan Samkov on Pexels.com
Annual Gross Income (family of four)
  • $77,600 Umatilla County
  • $76,000 Gilliam County
  • $76,000 Morrow County
  • $76,000 Wheeler County
Oregon Flex Lending
Looking for help to become a homeowner but not sure where to start? Oregon Housing and Community Services (OHCS) helps low- to moderate-income individuals and families make homeownership affordable with competitive mortgages, which include the Oregon Bond Residential Loan program and our newest program, the Flex Lending program.

Many potential homebuyers can afford monthly mortgage payments but find it challenging to save enough money for a down payment. OHCS’ lending programs are designed to help homebuyers purchase a home.

OHCS wants you to become a successful homeowner and has partnered with homeownership centers around the state to guide you through the homebuying process and provide support after your purchase.

Get started:
  1. Verify your eligibility with a participating lender that can be found at https://www.oregon.gov/ohcs/homeownership/Pages/flex-lending.aspx
  2. Find a homebuyer education class in your area at https://www.oregon.gov/ohcs/homeownership/pages/homebuyer-education.aspx
  3. Work with a realtor to find an affordable home that fits your needs.
  4. Make an offer!
  5. Work with your lender to complete the loan process.
  6. Move into your new home!

Oregon Flex Lending Program
Last updated: 3/29/23