Comparing down payment assitance programs Oregon vs Arizona

Owning a home, whether amidst Oregon’s towering pines or bathed in Arizona’s desert sunshine, can be a life-changing adventure. But the down payment? It can feel like an insurmountable barrier. Fear not, aspiring Oregonians and Arizonans! Both states offer down payment assistance programs (DPA) to pave the path to homeownership. Let’s compare the key differences:


  • Oregon:
    • Oregon Housing and Community Services (OHCS) First Step Homebuyer Assistance Program: Open to first-time homebuyers with income limits up to 120% of the area median income (AMI).
    • OHCS Downpayment Assistance for Moderate-Income Families: Available to all eligible borrowers, with income limits up to 140% of AMI.
  • Arizona:
    • Arizona Home Plus Down Payment Assistance Program: Open to all eligible borrowers, with income limits up to 126,351.
    • Pathway to Purchase DPA: Available to individuals or families in 17 select cities, with income limits up to $71,936 and maximum purchase price of $371,936.


  • Oregon:
    • First Step: Up to $10,000 in forgivable loan assistance for down payment and closing costs.
    • Moderate-Income: Up to 5% of the loan amount in forgivable loan assistance for down payment and closing costs.
  • Arizona:
    • Home Plus: Up to 5% of the loan amount in forgivable second mortgage assistance.
    • Pathway to Purchase: Up to 10% of the loan amount in forgivable grant assistance for down payment and closing costs.

Application Process:

  • Oregon:
    • Contact an OHCS-approved lender or housing agency.
    • Homebuyer education course required.
    • Gather income verification and tax documents.
  • Arizona:
    • Contact an Arizona Industrial Development Authority (AZIDA)-approved lender or real estate agent.
    • Homebuyer education may be required.
    • Submit an application online or through a participating lender.

Funding and Availability:

  • Oregon:
    • Funding levels vary depending on the program and location.
    • Waiting lists are possible for some programs.
    • Early contact with an OHCS professional is recommended.
  • Arizona:
    • Funding allocated on a first-come, first-served basis.
    • Early application is crucial, especially for limited-availability programs.

Impact on Closing Costs:

Both programs can significantly reduce your closing costs, covering expenses like:

  • Loan origination fees
  • Title insurance
  • Property taxes
  • Inspection fees

Real-Life Examples:

  • Oregon: Emily, a young professional in Portland, utilizes the First Step program to receive $8,000 towards her down payment, making her coastal cottage dream more attainable.
  • Arizona: David, a growing family in Phoenix, benefits from the Pathway to Purchase program, getting $10,000 in forgivable assistance for their down payment and closing costs, allowing them to purchase their first spacious home in a vibrant community.


  • These are highlights, and specific program details can vary.
  • Always consult a qualified housing professional to discuss your individual needs and program eligibility.


Q: What are down payment assistance programs?
A: Down payment assistance programs are initiatives offered by state or local governments, nonprofit organizations, or lenders that provide financial support to homebuyers to help cover the upfront costs of purchasing a home, primarily the down payment amount.

Q: What is the difference between down payment assistance programs in Oregon and Arizona?
A: The specific details and eligibility criteria of down payment assistance programs vary between Oregon and Arizona. While both states offer such programs, the key differences lie in the available funding, income limits, purchase price limits, and property location requirements. It is important to review the specific programs in each state to understand their unique features.

Q: How do I qualify for down payment assistance in Oregon?
A: To qualify for down payment assistance programs in Oregon, certain criteria must typically be met. These may include income limits, credit score requirements, completion of homebuyer education courses, and a maximum purchase price limit. Each program has its own set of eligibility guidelines that should be thoroughly reviewed.

Q: What are the income limits for down payment assistance programs in Arizona?
A: The income limits for down payment assistance programs in Arizona vary depending on the specific program one is applying to. Typically, these programs target low- to moderate-income individuals or families. Income limits may be based on the county or the household size of the applicant.

Q: Are down payment assistance programs limited to first-time homebuyers?
A: Not necessarily. While many down payment assistance programs cater to first-time homebuyers, some programs also extend support to repeat buyers. It is important to research and identify the individual programs in Oregon and Arizona to determine if they are open to all buyers or exclusively for first-time buyers.

Author – Stan Huxley

Passionate about real estate, Stan Huxley brings a wealth of experience to our articles. With a lifelong career in the industry, Stan’s insights, tips, and expert advice empower readers to navigate the world of real estate confidently. Whether you’re a homebuyer, seller, or investor, Stan is your trusted guide to making informed decisions.

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