Down Payment Assistance Program

Important Notice: Our DPA Funds are now on Hold. All available DPA funds are currently reserved as of May 17, 2024.

Join the Wait List: We are still accepting new intake packets. Qualified applicants who complete our housing counseling process will be placed on the wait list. Funds will be distributed on a first-come, first-served basis as they become available.

We cannot guarantee when more funds will be available. It may take several months, or longer, before additional funds are released.

We strongly recommend enrolling in our housing counseling program to benefit from the comprehensive support it offers.

Learn more about our home buyer class >

Down Payment Assistance for First-Time Homebuyers

NeighborWorks Umpqua is offering Down Payment Assistance (DPA) programs throughout 2024.

Eligible first-time homebuyers in Douglas, Coos, Curry, and Josephine Counties can get help with their home purchase down payment. First generation home buyers may be eligible for additional funding.

You’ll also get home buyer education and one-on-one financial counseling to help you get ready for owning your first home.

Am I Eligible?

You must be an Oregon resident (have lived in Oregon for 12 months or more).

You’ve never owned a home, or you haven't owned a home in the past three years.

You are looking to purchase a home in Douglas, Coos, Curry, or Josephine County.

The home you buy must be your primary residence.

Your total household income must meet program limits.

Down Payment Assistance Income Limits

**(up to 100% of Area Median Income*)**

$4,433/month or $53,200/year

$5,067/month or $60,800/year

$5,700/month or $68,400/year

$6,333/month or $76,000/year

$6,842/month or $82,100/year

$7,350/month or $88,200/year

*For households with more than 6 persons please contact us

Other Program Requirements:

You must complete a Homebuyer Education class and receive two financial counseling sessions before the date you close on your home.

The home you purchase must be a Single Family-Home, Condominium, or Manufactured Home on Fee Simple/Community Land Trust. Manufactured Homes must comply with conventional first mortgage lending standards

Add your name to the Down Payment Assistance wait list. A program specialist will contact you to discuss your eligibility for the program and help you start an intake packet.

Sign Up for the DPA Wait List