Down Payment Assistance Loans

Lenders and Real Estate Agents

Help your first-time buyers increase their down payment, cover closing costs, or the VA Funding Fee with a DPA loan.

Our Down Payment Assistance Loan Program provides no-interest, deferred-payment second mortgage loans of up to $10,000. 

  • Eligible homebuyers must:

    • Be first-time homebuyers (not owned property within the last 3 years)
    • Be purchasing in Coos, Curry, Douglas, Klamath, or Lake Counties
    • Intend to occupy the home as their primary residence
    • Complete HUD certified home buyer education course 
    • Qualify for conventional or government loan (no negative amortizing loans)
    • Income below 100% family median income for the county (see chart) 
    • Property must be single family residence (including condominium or manufactured home) on fee-simple or community land trust
    • Property must conform to standard mortgage requirements

2020 HUD Income Limits – Area Median Income for Families

CountyFamily Median Income Limit

One of our customers, a veteran, achieved homeownership after a long journey serving in the Marines. Read the story>>

Eligible Uses:

  • DPA loans can be applied to part or all of the down payment and/or closing costs. 
  • Funds may not be used to pay down personal debts.
  • Borrowers may not receive cash back.


  • If Veterans have no down payment, these funds can be used for a down payment
  • Funds can also be added to increase an existing down payment

  • Funds can be used for closing costs, including the VA funding fee

  • DD-214 is required

Repayment – The loan becomes payable in full upon sale, transfer, refinance, or when the borrower no longer occupies the home as their primary residence.

 – up to $10,000
Interest Rate – no-interest
Monthly Payment – no monthly payment

 - NeighborWorks Umpqua may agree to a subordination for rate/term refinances that show a clear benefit to the borrower. We will not subordinate for a cash-out refinance.

  – This loan is not assumable by another party

How to Apply on behalf of a borrower:

  1. Ensure borrower meets eligibility standards described above
  2. Contact us below or call us 541-673-4909
  3. Get approval documents ready. View document checklist.
“Homeownership would have been impossible without NeighborWorks Umpqua! I am definitely low income and I was worried that homeownership might be out of my reach.”

This program is made possible through funding from:
Oregon Housing and Community Services (OHCS) Down Payment Assistance Program.

DPA Pre-approval Request

DPA Request - Lenders

Ready for
Contact us or call 541-673-4909

If you are ready for pre-approval, have your documents ready. 
View checklist.

Roseburg Office: 605 SE Kane St., Roseburg, OR 97470, (541) 673-4909, FAX # 541-673-5023
North Bend Office: 1992 Sherman Ave., North Bend, OR 97459, (541) 756-1000

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