Dreamsavers IDA

Learn about the Dream$avers IDA Program. Enter the program lottery today.

What is the Dream$avers IDA Program?
  • Dream$avers is a matched savings program that helps you grow your savings to achieve a specific savings goal, either education, home purchase, home repair, small business, vehicle, or assistive technology.

  • For every $1 you save, Dream$avers can provide an additional $5 in match funds. You can save up to $1,800 in your Dream$avers account and receive up to $9,000 in match funds for a total of up to $10,800 towards an eligible savings goal. 


  • Prior to enrolling in Dream$avers, you must enter the program lottery, get selected in a lottery drawing, attend an orientation, submit an application, and get approved based on our eligibility requirements.


  • As part of Dream$avers, you will work with an assigned IDA coach to complete a required financial counseling appointment and financial education classes within 3 months of enrollment and prior to spending match funds.

  • Once you reach your savings goal, you are allowed 6 months to spend. You can graduate from the program in as quickly as 3 months or stay enrolled up to 3 years.
Am I Eligible for Dream$avers?

To be in Dream$avers:


  • You must live in Coos, Curry, Douglas, or Josephine County.


  • Your household income must fit the guidelines provided on this page.


  • Your household net worth must be less than $20,000. We do not count the value of your primary residence, one vehicle, and up to $120,000 in retirement accounts. This will be explained if you are selected in the lottery.


  • If you already participated in Dream$avers and spent any match dollars, you are unable to apply again. We recommend searching the Oregon IDA Initiative for other IDA programs.



If I’ve been in Dream$avers before, can I apply again?

If you've completed Dream$avers in the past and spent any match dollars, you can't apply again to NWU’s savings programs. Search for other IDA Programs to apply to through Oregon IDA Initiative.

Dream$avers Income Limits*
1 Person Household

$5,150/month or $61,800/year

2 Person Household

$5,883/month or $70,600/year

3 Person Household

$6,621/month or $79,450/year

4 Person Household

$7,354/month or $88,250/year

5 Person Household

$7,946/month or $95,350/year

6 Person Household

$8,533/month or $102,400/year

7 Person Household

$9,121/month or $109,450/year

8 Person Household

$9,708/month or $116,500/year

*For households with more than 8 persons please contact us

What Can I Save For in Dream$avers?


  • Home Purchase. Save to purchase a primary residence and use Dream$avers to help with a down payment or closing costs.


  • Home Repair. Save for repairs that improve the health and safety of your primary residence, such as a new roof.


  • Small Business. Save to start or grow a small business you own.


  • Education. Save for university, community college, trade or technical school, or contribute to a 529 college savings account.


  • Vehicle Purchase. Save to buy or repair a car or truck to increase your independence.


  • Assistive Technology/Dental. Save for equipment, technology, or training that increases your independence or allows you to obtain or maintain employment.


How do I apply?

  • We use a lottery system to randomly choose who can apply for the Dream$avers Program. Enter using the link below if you believe you’re eligible.


  • Your entry will stay active until the end of the calendar year. Any duplicate entries will be removed.


  • Your entry will be considered in any lottery drawings that may occur this year. Lottery drawings will be scheduled as funding allows.


  • Anyone not selected will be notified by email in January 2027 to enter again for the new lottery year.


  • If you are selected, you will be notified by your preferred contact method and provided instructions for applying to Dream$avers.
Enter the Dream$avers IDA Lottery Today

Roseburg Office:

605 SE Kane St. Roseburg OR, 97470

Call Us: (541) 673-4909

Fax: 541-673-5023

North Bend Office:

1992 Sherman Ave. North Bend OR, 97459

Call Us: (541)-756-1000

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