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The City of Portland, Oregon

Portland Housing Bureau

Solving the unmet housing needs of the people of Portland.

Phone: 503-823-2375

fax: 503-823-2387

421 SW 6th Avenue, Suite 500, Portland, OR 97204

More Contact Info

Eligibility and Terms

To apply for the Home Purchase Assistance Program (HPAP), please contact an Approved Lender.  

Homebuyer Eligibility & Requirements 

To qualify for the HPAP:

  • The buyer does not have to be a first-time home buyer
  • Borrowers may not have an ownership interest in another property at the loan closing.
  • First-Time homebuyers are required to complete Homebuyer Education
  • Buyer(s) income cannot exceed 140% AMI (currently $113,960) regardless of family size
  • No max household income
  • Borrower must contribute a minimum of $1,000 or 1% of purchase price, whichever is lower
  • Borrower contribution can come from gifted funds
  • Non-occupying co-borrowers and Co-signers are not allowed
  • Meet 1st Mortgage lender’s loan requirements
  • Have a minimum mortgage credit score of 620 (subject to lender approval)


Eligible Property Requirements

Eligible properties:

  • Must be located within the City limits of Portland, OR. See to confirm jurisdiction eligibility.
  • Are not limited to specific Portland Urban Renewal Areas.
  • Must be 1 unit primary residence, Condominiums, PUDs, & Townhomes
  • 2-4 units and manufactured homes are not eligible
  • No purchase price limit, but first mortgage loan limit of $453,100


Assistance Terms

  • Assistance is up to 7% of first mortgage
  • Assistance is wrapped up into a silent second mortgage which is forgiven monthly pro rata over 10 years