OHCS (Oregon Housing and Community Services) at oregon.gov/ohcs administers the Oregon Bond Residential Loan Program with Cash Advantage (DPA) and Rate Advantage options.

What is the Oregon Bond Cash Advantage?

Cash Advantage provides cash assistance for down payment and closing costs alongside an Oregon Bond first mortgage. Verify current assistance amounts at oregon.gov/ohcs.

How expensive is Bend, Oregon?

Bend is a premium small city — prices are significantly above the Oregon state median and often exceed OHCS program purchase-price caps.

Are USDA loans available in Oregon?

Yes — many rural Oregon communities qualify for USDA Rural Development loans with 100% financing.

Where can I find a HUD counselor in Oregon?

HUD lists approved housing counselors at hud.gov/states/oregon.

Mortgages in Oregon

Oregon's housing market is dramatically split: Portland metro, Bend, and the Oregon Coast are expensive markets. Eastern Oregon and rural communities are significantly more affordable. Portland has seen price volatility since 2020; Bend is a premium resort and remote-work market.

More Oregon guides

Personal Loans in Oregon Auto Insurance in Oregon Homeowners Insurance in Oregon Renters Insurance in Oregon Auto Loans in Oregon Student Loans in Oregon Life Insurance in Oregon High-Yield Savings in Oregon

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