Oregon Home Loan Programs & Buyer Education Center
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.
Flexible credit guidelines for FHA, VA, & USDA loans
Zero-down and 3.5% minimum down payment pathways
State DPA grant programs to offset upfront closing costs
Current 2026 Oregon county income and loan limits
Free program checkNo SSN requiredResults in minutes
Statewide Oregon Coverage & 2026 Program Limits
Available Program Categories
FHA|Loans (3.5% Down)VA|0% Down FinancingUSDA|Rural HousingDPA|State GrantsFirst-Time|HomebuyersZero-Down|100% Programs