Umatilla Saves Program
Deferred second loan · New construction · Income limits
Down payment assistance · Umatilla County
Buying a home in Hermiston, OR
1 county program and 0 statewide.Hermiston has no program of its own, 1 across Umatilla 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 Hermiston
No program of Hermiston’s own yet
No program run for Hermiston alone is listed. A home in Hermiston can use Umatilla County’s programs below, plus the Oregon statewide and federal ones.
The closest city that runs its own program is Boardman, about 20 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in UmatillaAnywhere in Umatilla County
1 county program1 county program a Hermiston homebuyer can use
The Hermiston marketThe Hermiston housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Hermiston
- 57.2% single-familysingle-family
- 1.5% townhousetownhouse
- 11.7% 2–4 units2–4 units
- 15.3% 5+ unitscondo & apartment buildings (5+ units)
- 14.3% mobile & othermobile home & other
Condos count. Hermiston’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Hermiston’s homes were built
pre-19401970s2020+
42.6%
of Hermiston 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.
$78,400
County area median income, 4 people (HUD)HUD area median income, Umatilla County, 4-person household (2026)
$66,998
Hermiston median household incomeMedian household income in Hermiston (Census, 2024)
9 of the 63 programs here set their income limit as a share of Umatilla County’s area median income, adjusted for household size. See the published limits for Umatilla County
Free help nearbyFree help near Hermiston
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Hermiston’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Umatilla Saves Program 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
Hermiston questions
Does Hermiston have its own down payment program?
No program run for Hermiston alone is listed. A home in Hermiston can use the 1 program that cover Umatilla County and the 0 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Hermiston?
Hermiston’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 Umatilla County?
Each program sets its own. 9 of the programs here set theirs as a share of HUD’s area median income for Umatilla 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 Hermiston?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
97838
Sources
Sources: agency sites (June 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 (June 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.