Forgivable loan
Portland Housing Bureau DPA
First-time homebuyers · Income limits · Single Family · Condo · Townhouse
Down payment assistance · Multnomah County
Buying a home in Portland, OR
2 Portland programs, 1 county program and 0 statewide.Portland has 2 programs of its own, 1 more across Multnomah 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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Only for Portland addresses
Portland’s own programs
Deferred second loan
Down Payment Assistance Loan
First-time homebuyers · New construction · Income limits · 1-unit single-family, condominium, townhome, attached PUD · some partner agencies allow 2-4 unit owner-occupied
Anywhere in MultnomahAnywhere in Multnomah County
1 county program1 county program a Portland homebuyer can also use
The Portland marketThe Portland housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Portland
- 52.3% single-familysingle-family
- 5.2% townhousetownhouse
- 8.1% 2–4 units2–4 units
- 33.3% 5+ unitscondo & apartment buildings (5+ units)
- 1.2% mobile & othermobile home & other
Condos count. All 3 of Portland’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Portland’s homes were built
pre-19401970s2020+
63.4%
of Portland 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, Multnomah County, 4-person household (2026)
$90,919
Portland median household incomeMedian household income in Portland (Census, 2024)
10 of the 65 programs here set their income limit as a share of Multnomah County’s area median income, adjusted for household size. See the published limits for Multnomah County
Free help nearbyFree help near Portland
12 HUD-approved counseling agencies within 15 miles12 HUD-approved housing counseling agencies within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 local programs here ask 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
Portland questions
Does Portland have its own down payment program?
Yes, 2: Portland Housing Bureau DPA and Down Payment Assistance Loan. Each is for homes inside Portland.
Can I use assistance on a condo in Portland?
All 3 of Portland’s local and county programs accept 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 Multnomah County?
Each program sets its own. 10 of the programs here set theirs as a share of HUD’s area median income for Multnomah 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 Portland?
HUD-approved housing counseling agencies teach homebuyer classes, and 12 agencies are within 15 miles of Portland. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
97201 · 97202 · 97203 · 97204 · 97205 · 97206 · 97207 · 97208 · 97209 · 97210 · 97211 · 97212 · 97213 · 97214 · 97215 · 97216 · 97217 · 97218 · 97219 · 97220 · 97221 · 97222 · 97223 · 97224 · 97225 · 97227 · 97228 · 97229 · 97230 · 97231 · 97232 · 97233 · 97236 · 97238 · 97240 · 97242 · 97251 · 97253 · 97254 · 97255 · 97256 · 97258 · 97259 · 97266 · 97267 · 97268 · 97269 · 97271 · 97272 · 97280 · 97281 · 97282 · 97283 · 97286 · 97290 · 97291 · 97292 · 97293 · 97294 · 97296 · 97298 · 97299
Nearby in Multnomah
Sources
Sources: agency sites (June–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 (June–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.