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.

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.

HOAP Down Payment Assistance is open to first-time homebuyers and homebuyers who will live in the home as their primary residence. "First-time homebuyer" usually means not having owned a home in the last three years, but the program sets its own definition. On credit, the program states: Typically 640 minimum FICO. A homebuyer education course is required, through Community in Action Homebuyer Education / HUD-approved counseling. Residency requirement: 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.

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.

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.

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.

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

Applications for HOAP Down Payment Assistance go through the administering agency, which publishes the current terms and the application steps on its own site. Funds are reserved through Application through Community in Action. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.