NCRA Homebuyer Assistance
Deferred second loan · New construction · Income limits
Down payment assistance · Clackamas County
Buying a home in Happy Valley, OR
1 county program and 0 statewide.Happy Valley has no program of its own, 1 across Clackamas County, and 0 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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What’s local to Happy Valley
No program of Happy Valley’s own yet
No program run for Happy Valley alone is listed. A home in Happy Valley can use Clackamas County’s programs below, plus the Oregon statewide and federal ones.
The closest city that runs its own program is Gresham, about 6 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in ClackamasAnywhere in Clackamas County
1 county program1 county program a Happy Valley homebuyer can use
The Happy Valley marketThe Happy Valley housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Happy Valley
- 69.9% single-familysingle-family
- 10.5% townhousetownhouse
- 1.6% 2–4 units2–4 units
- 16.9% 5+ unitscondo & apartment buildings (5+ units)
- 1.2% mobile & othermobile home & other
Condos count. Happy Valley’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Happy Valley’s homes were built
pre-19401970s2020+
12.1%
of Happy Valley homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$128,300
County area median income, 4 people (HUD)HUD area median income, Clackamas County, 4-person household (2026)
$122,151
Happy Valley median household incomeMedian household income in Happy Valley (Census, 2024)
9 of the 63 programs here set their income limit as a share of Clackamas County’s area median income, adjusted for household size. See the published limits for Clackamas County
Free help nearbyFree help near Happy Valley
12 HUD-approved counseling agencies within 15 miles12 HUD-approved housing counseling agencies within 15 miles
Happy Valley’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.NCRA Homebuyer Assistance asks for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Oregon and nationwide
62 statewide & federal programs0 statewide programs, plus federal options
Happy Valley questions
Does Happy Valley have its own down payment program?
No program run for Happy Valley alone is listed. A home in Happy Valley can use the 1 program that cover Clackamas County and the 0 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Happy Valley?
Happy Valley’s one local program accepts condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Clackamas County?
Each program sets its own. 9 of the programs here set theirs as a share of HUD’s area median income for Clackamas County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Happy Valley?
HUD-approved housing counseling agencies teach homebuyer classes, and 12 agencies are within 15 miles of Happy Valley. Create a free account and take the 90-second match to see the ones near you.
Nearby in Clackamas
Sources
Sources: agency sites (July 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (July 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.