Your real Oregon affordability, the Oregon Housing (OHCS) Down Payment Assistance match, and a step-by-step plan — in 30 seconds. No email required.
Calculate your Oregon number — free →The Oregon Housing (OHCS) Down Payment Assistance is Oregon's flagship statewide down payment assistance, administered by the state housing finance agency (assistance via approved partners). Current amounts, income limits and credit requirements are set by the agency — confirm them on the official program page. Cities and counties in Oregon often add their own programs on top.
Official Oregon program page →Oregon's main statewide option is the Oregon Housing (OHCS) Down Payment Assistance — assistance via approved partners administered by the state housing finance agency. Many cities and counties in Oregon add their own programs on top, so it is worth checking all three levels.
It depends on your income, debts and credit. The calculator applies the FHA 31%/43% debt-to-income rule to estimate your price, then shows how much of your down-payment gap Oregon assistance could cover. Most buyers pair it with a 3% conventional or 3.5% FHA down payment.
Many state programs set a 620 minimum credit score alongside income limits based on area median income. Exact requirements are set by the agency — verify current terms on the official Oregon Housing (OHCS) Down Payment Assistance page before applying.