Oregon Home Loan Programs
Find the Home Loan Program That Fits Your Situation
Explore government-backed loan programs tailored for Oregon buyers—including FHA, VA, USDA, and Conventional financing.
Whether purchasing your first home in Portland, a craftsman in Eugene, or rural acreage in Central Oregon, state and federal pathways offer flexible credit standards and low down payment terms.
Pair standard loan structures with local Down Payment Assistance (DPA) grants and tax credits to reduce your upfront out-of-pocket expenses.
Available Program Categories
Step-by-Step Program Matching for Every Oregon County
From Multnomah to Deschutes County, loan criteria, household income caps, and grant structures vary across the state. Our tools help you compare down payment minimums, monthly obligations, and eligibility requirements before you apply.
Quick Program Paths
Select your specific homebuying scenario below to view qualifying criteria, county caps, and loan structures designed for Oregon residents.
FHA Loans
Take advantage of 3.5% down payment options and flexible credit guidelines designed for Oregon homebuyers.
VA Loans
Qualify for 0% down financing, no private mortgage insurance (PMI), and competitive rates for Oregon veterans.
USDA Loans
100% USDA financing available across eligible Oregon towns outside major metropolitan borders.
Conventional Loans
Conforming loan programs with competitive rates, low down payment structures, and flexible PMI terms.
Down Payment Assistance
Find local Oregon grants and forgivable second mortgages to cover your upfront cash requirements.
First-Time Buyer
Access first-time homebuyer tax credits, reduced rate options, and state educational counseling resources.