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Buy a Home | Find Homeownership Resources
Homeownership Main Page | Buy a Home | Find Homeownership Resources


An Overview
The state of Oregon uses state funds to assist first-time homebuyers to secure loans (Residential Loan Program), access homeownership education, and homeownership counseling. The Residential Loan Program uses tax-exempt revenue bonds to finance below-market rate financing and cash assistance mortgage loans, also known as the Oregon Bond Loans. Homeownership assistance services are delivered in partnership with local non-profit organizations throughout the state.

Buy a Home | Where do you start?

Oregon Housing Centers Oregon Housing Centers | Get Housing Counseling 
Oregon Housing Centers have a dedicated counseling staff that are knowledgeable and experienced in helping low- and moderate-income families rent and purchase affordable housing.
Find a housing center near you
 Homebuyer Education classes   
Homebuyer Education classes Get Homebuyer Education
Home buying classes help first-time homebuyers learn the basics about the home buying process. They are taught online or in a classroom setting by experienced professionals who specialize in helping first-time homebuyers. 
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 Homebuyer Education classes
 Home Smart Oregon - Homebuyer Education 

Buy A Home | Find Programs and Services

Homebuying Resources Residential Loan Program - Oregon State Bond Program
OHCS helps low- and moderate-income families in Oregon buy their first home by providing below-market rate financing and cash assistance through its Residential Loan Program (also known as the Oregon Bond Program). The program's below-market rate helps eligible families increase their home purchasing power and lowers their monthly house payments. Learn more
 Homebuyer Education classes
Find a Participating Lender (Oregon State Bond Program)
OHCS does not offer home purchase loans directly to homebuyers. Instead, OHCS works with a network of lenders throughout the state to offer low-interest home loans. The participating lenders are available to walk you through every step of the home-buying loan qualification process. Find a lender in your area here
Homebuyer Education classes  
Down Payment Assistance Program
The down payment assistance program is administered by participating organizations for low- and very low-income families and individuals, with particular focus on underserved populations. The program is funded through the state's document recording fee. The programs give qualified buyers who have completed a homebuyer education program up to $5,000 for a down payment and/or closing costs. Learn more
Homebuyer Education classes  
Neighborhood Stabilization Program
The Neighborhood Stabilization Program was developed by the U.S. Department of Housing and Urban Development (HUD) as a response to the proliferation of residential foreclosures that have adversely affected the housing market and greater economy over the last few years. The program is currently in Phase 3 of three phases. Learn more