Oregon down payment assistance, deep-checked against current state program sources.
A current inventory of state-run and state-administered assistance in Oregon, plus national DPA options. Funding and rate sheets can still change after this review date.
Reviewed September 11, 2026 • Joshua Dobson, NMLS #190260
Quick comparison
| Program | Potential assistance | Published min. FICO | Repayment/Forgiveness | Biggest catch |
|---|---|---|---|---|
| OHCS Statewide Down Payment Assistance via approved providers | Up to $60,000 or 20% of purchase price, whichever is lower, depending provider/program | provider/program specific | Grant or forgivable second depending regional provider | Delivered through regional providers; amount and structure differ by provider and available allocation. |
| OHCS Flex Lending FirstHome DPA | 4% or 5% of first mortgage under current product | 620/product specific | State HFA DPA second; forgiveness/amortization depends on current income/product matrix | Verify live funding and current lender matrix before relying on the program. |
| OHCS Flex Lending NextStep DPA | 4% or 5% of first mortgage under current product | 620/product specific | State HFA DPA; forgivable or amortizing depending income/current matrix | Verify live funding and current lender matrix before relying on the program. |
| ReOregon Disaster Recovery DPA | Up to $150,000 | program specific | 30-year forgivable loan; generally 1/30 forgiven annually under current disaster program | Only for qualifying disaster-affected households/geographies; not general statewide DPA. |
OHCS Statewide Down Payment Assistance via approved providers
OHCS Statewide Down Payment Assistance via approved providers is a current state-administered homebuyer assistance option. Mortgage Navigator uses the administering agency as the controlling source and avoids filling changing details with stale third-party numbers.
Published minimum FICO: provider/program specific
OHCS Flex Lending FirstHome DPA
OHCS Flex Lending FirstHome DPA is a current state-administered homebuyer assistance option. Mortgage Navigator uses the administering agency as the controlling source and avoids filling changing details with stale third-party numbers.
Published minimum FICO: 620/product specific
OHCS Flex Lending NextStep DPA
OHCS Flex Lending NextStep DPA is a current state-administered homebuyer assistance option. Mortgage Navigator uses the administering agency as the controlling source and avoids filling changing details with stale third-party numbers.
Published minimum FICO: 620/product specific
ReOregon Disaster Recovery DPA
ReOregon Disaster Recovery DPA is a current state-administered homebuyer assistance option. Mortgage Navigator uses the administering agency as the controlling source and avoids filling changing details with stale third-party numbers.
Published minimum FICO: program specific
National programs Oregon buyers should also check
National Homebuyers Fund
NHF multi-state assistance may be available through participating lenders. Current lender/product terms control credit, pricing, assistance and repayment or forgiveness.
Published minimum FICO: product/lender specific
Chenoa Fund
Chenoa Fund provides FHA down-payment assistance through approved lender partners. Current matrices control credit, pricing and second-mortgage terms.
Published minimum FICO: product/lender specific
Oregon's biggest DPA lesson
Oregon’s state-run inventory includes provider-delivered OHCS DPA, two Flex Lending DPA executions, and the special ReOregon disaster DPA. V24 missed the distinction among these programs.
Let Josh compare the available programs.
Send the city/ZIP, purchase price, credit range, household income and first-time-buyer status.