Down Payment Assistance Loan (DPAL) (City of Portland, OR)
Portland Housing Bureau · City of Portland, Oregon
At a glance: Up to $80,000 - $100,000, depending on funding source and home location, deferred loan (no payments until you sell, refinance or pay off). First-time buyer: Required. Checked against the official page on Nov 3, 2026.
| Assistance type | Deferred loan — No payments until you sell, refinance or pay off |
|---|---|
| Amount | Up to $80,000 - $100,000, depending on funding source and home location |
| Income limit | At or below 100% of Area Median Income (AMI) |
| Purchase price limit | Not verified on the official page — check the source |
| First-time buyer rule | Required |
| Status | Offered |
| Status note | Not verified on the official page — check the source |
| Details | 0% interest, 30-year deferred loan with partial forgiveness. Buyer may keep no more than $10,000 in combined liquid assets at closing. |
| Official source | https://www.portland.gov/phb/down-payment-assistance-loan (opens in new tab) |
| Last checked | Nov 3, 2026 (automated fetch) |
Go to the official program page ↗ Report a correction
Other Oregon programs
- OHCS Down Payment Assistance (via local groups) — amount not verified
← All Oregon programs · Check eligibility · Compare with other programs
Common questions
How much is Down Payment Assistance Loan (DPAL)?
Up to $80,000 - $100,000, depending on funding source and home location (per the official page, checked Nov 3, 2026).
Is Down Payment Assistance Loan (DPAL) a grant or a loan?
Deferred loan: no payments until you sell, refinance or pay off.
Do I have to be a first-time homebuyer for Down Payment Assistance Loan (DPAL)?
Required.
What is the income limit for Down Payment Assistance Loan (DPAL)?
At or below 100% of Area Median Income (AMI).
How does Down Payment Assistance Loan (DPAL) work?
0% interest, 30-year deferred loan with partial forgiveness. Buyer may keep no more than $10,000 in combined liquid assets at closing.
Is Down Payment Assistance Loan (DPAL) still available in 2026?
The official page listed it as offered when we last checked on Nov 3, 2026. Funding can change, so confirm with the administrator.
Who runs Down Payment Assistance Loan (DPAL)?
Portland Housing Bureau, City of Portland, Oregon. Apply through the program or one of its participating lenders.
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