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How to Buy a Home

Homeownership means independence, growth, and a place to share with family and friends. The Oregon Bond Residential Loan program has helped thousands of people buy a home.

The program offers: 

  • A first-time homebuyer program.
  • Affordable, 30-year fixed interest rates.
  • With as little as zero cash down payment.
  • Down payment and closing cost programs.
  • Knowledgeable local lenders and partner support.

Tips to start the process

OHCS helps low and moderate-income families in Oregon buy their first home. We provide below-market rate financing and cash assistance through the Oregon Bond Residential Loan Program. ​

The below-market rate helps eligible families increase their home purchasing power and lowers their monthly house payments.

The program works with approved lenders​ to ensure all Oregon homebuyers have access to safe and affordable housing. We also finance rental housing and work to prevent and end homelessness.

This ​step is the fun one!

A real estate professional can assist you to find a home for your family within the program's home purchase price limits​​. ​

More resources:

Homebuyer F​AQs

​Oregon Residential Loan Program FAQs​

​In this step, you will finish up the paperwork, close on your loan, grab those keys, and celebrate your accomplishment!

Please note: OHCS Homeownership Division does not make or arrange loans. It is neither an originator nor creditor and is not affiliated with any Lender. The law requires the Lender to provide the following information to the consumer:

  • Loan fees
  • Annual percentage rate (APR)
  • Repayment conditions
  • Disclosures, and any other legally required information

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