hey prescott.
See what you qualify for

HOAP Down Payment Assistance

Ontario, Oregon

Last verified
See what you qualify forOfficial program site →
Income limit

80% AMI

Of area median income; varies by county and household size

Repayment

Grant

Not repaid

What is HOAP Down Payment Assistance?

HOAP Down Payment Assistance is a grant for homebuyers in Ontario, Oregon.

  • Community in Action's HOAP (Home Ownership Assistance Program) provides forgivable down payment and closing cost grants to low-income first-time homebuyers in eastern Oregon (Malheur, Harney, Baker, Grant counties). The program is funded primarily through state and federal sources.
  • Home Ownership Assistance Program (HOAP) provides forgivable down payment and closing cost grants to low-income first-time homebuyers in eastern Oregon. Forgiven over an affordability period if owner-occupancy maintained.
  • Funding comes from State, HOME, and CDBG.

Do you have to pay it back?

HOAP Down Payment Assistance is structured as a grant, so it is not repaid.

  • Repayment is triggered by Sale, transfer, refinance without subordination, or loss of owner-occupancy before forgiveness period concludes.
  • The assistance is recorded in 2nd Lien position.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

HOAP Down Payment Assistance is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — the program sets its own definition
  • The home is occupied as a primary residence
  • On credit: Typically 640 minimum FICO
  • A completed homebuyer education course, through Community in Action Homebuyer Education / HUD-approved counseling
  • Residency: Property must be in Community in Action service area
  • Citizenship or immigration status: U.S. citizen or qualified non-citizen
  • Pre-purchase homebuyer education required. Property must be located in Community in Action's eastern Oregon service area (Malheur, Harney, Baker, Grant). Income limits at 80% AMI for Malheur County: 1-person $29,050; 8-person $51,500. Maintain owner-occupancy for forgiveness term.

The program excludes

  • Households above 80% of area median income

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

HOAP Down Payment Assistance limits household income to 80% of the area median income, which varies by county and household size.

  • Household income at or below 80% AMI for service-area counties: 1-person ~$29,050; 8-person ~$51,500 (Malheur, 2025).
  • The limit applies to total household income, not only the borrower’s.
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

HOAP Down Payment Assistance caps the purchase price as follows: Set per program guidelines / aligned with HOME 95% limits.

  • Eligible property types include 1-unit single-family, condominium, townhome, PUD, manufactured home on owned land.
  • New construction is eligible.
  • Manufactured homes are eligible.

Is there eligibility for specific groups?

HOAP Down Payment Assistance names veterans among the groups it serves.

  • Being named here means the program mentions the group, not that membership alone qualifies an applicant — the rest of the eligibility rules still apply.

Where does it apply?

HOAP Down Payment Assistance serves buyers purchasing in Ontario, Oregon.

How do you apply?

Applications for HOAP Down Payment Assistance go through the administering agency, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through Community in Action Homebuyer Education / HUD-approved counseling.

  2. Contact the administering agency to reserve funds

    Funds are reserved through Application through Community in Action, and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

90-second match

Not sure which you qualify for?

Answer 9 questions and we'll match you to every program you can actually use — in about 90 seconds. No SSN, no credit pull.

Find my programs