State Buyer Guide
Down payment assistance, Oregon housing programs, closing cost estimates, and what to know before buying — including from FSBO sellers.
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The Oregon Housing and Community Services (OHCS) is your primary source for below-market mortgage rates and down payment assistance in Oregon. Programs are available through approved lenders — not directly through the HFA.
Below-market rate first mortgages for first-time buyers through approved lenders.
DPA component providing closing cost and down payment help.
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Compare Mortgage Rates →On a $475,000 home: approximately $10,925
Oregon has no state real estate transfer tax. Washington County and some municipalities have introduced local transfer taxes — check for your specific city.
Oregon is an escrow/title-company state. An attorney is not required at closing. Escrow companies manage the transaction.
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Find an Inspector →While Oregon doesn't require an attorney at closing, FSBO buyers should strongly consider having one review the purchase agreement and title work.
Nolo has been the go-to legal resource for DIY buyers since 1971. Their real estate guides explain purchase agreements, contingencies, and closing in language anyone can understand.
Browse Legal Guides →Get a real estate attorney to review your purchase agreement or help you draft an offer letter — often for a fraction of traditional legal fees.
Get Legal Help →Download state-specific purchase agreements, addenda, and disclosure forms — written by attorneys, ready to use in your state.
Browse Real Estate Forms →Oregon first-time buyers can access programs through the Oregon Housing and Community Services (OHCS) (https://www.oregon.gov/ohcs/), including the Oregon Bond Residential Loan (Rate ~0.5–1% below conventional rates; Cash Advantage DPA available) and the Oregon Bond Cash Advantage (Up to $15,000 as a low-rate second mortgage). Federal programs like FHA loans (3.5% down) and USDA loans (0% down in eligible areas) are also available.
Closing costs in Oregon typically run 2.3% of the purchase price. Transfer tax: None (state); some cities charge small fee. Oregon has no state real estate transfer tax. Washington County and some municipalities have introduced local transfer taxes — check for your specific city.
Oregon is an escrow/title-company state. An attorney is not required at closing. Escrow companies manage the transaction.
The median home price in Oregon is approximately $475,000. Property taxes average 0.93% of assessed value annually.
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