Assistance grant
HOAP Down Payment Assistance
First-time homebuyers · Income limits · 1-unit single-family, condominium, townhome, PUD, manufactured home on owned land
Down payment assistance · Malheur County
Buying a home in Ontario, OR
1 Ontario program and 0 statewide.Ontario has 1 program of its own, 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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Only for Ontario addresses
Ontario’s own program
The Ontario marketThe Ontario housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Ontario
- 55.3% single-familysingle-family
- 3% townhousetownhouse
- 19.6% 2–4 units2–4 units
- 13.4% 5+ unitscondo & apartment buildings (5+ units)
- 8.7% mobile & othermobile home & other
Condos count. Ontario’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Ontario’s homes were built
pre-19401970s2020+
53.6%
of Ontario 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.
$75,300
County area median income, 4 people (HUD)HUD area median income, Malheur County, 4-person household (2026)
$46,308
Ontario median household incomeMedian household income in Ontario (Census, 2024)
9 of the 63 programs here set their income limit as a share of Malheur County’s area median income, adjusted for household size. See the published limits for Malheur County
Free help nearbyFree help near Ontario
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Ontario’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.HOAP Down Payment 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
Ontario questions
Does Ontario have its own down payment program?
Yes, one: HOAP Down Payment Assistance, a assistance grant for first-time homebuyers (forgiven over 5 yrs, income limits). It is for homes inside Ontario.
Can I use assistance on a condo in Ontario?
Ontario’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 Malheur County?
Each program sets its own. 9 of the programs here set theirs as a share of HUD’s area median income for Malheur 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 Ontario?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Ontario. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
97914
Nearby in Malheur
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.