Lending and Financial Services

Down Payment Assistance Loans & 502 Loans

Close the Gap on Your Down Payment and Closing Costs with a DPA Loan

First-time homebuyers may take advantage of our zero-interest Down Payment Assistance (DPA) Loans. These loans are “silent seconds,” requiring no repayment until you sell or refinance your home.

Preserve your savings by using DPA to cover up to $10,000 ($15,000 for Veterans) of closing costs and down payment.

You may be an eligible home buyer if you:

  • are a first-time homebuyer
  • have a pre-approval and an accepted purchase offer
  • are purchasing a single-family residence in Coos, Curry, Douglas, Klamath, or Lake Counties


  • attend a one-on-one session with our Homeownership Counselor
  • complete a Home Buyer Education class with NeighborWorks Umpqua

Additional eligibility requirements may apply.

Secure a Loan for Affordable Housing with a 502 Loan

NeighborWorks Umpqua is a Certified USDA 502 Direct Loan Packager.
Learn More

Contact us to find out if you qualify or call 541-673-4909

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Our Mortgage Loan Products and Services

Interested in learning more about our products? Click the button below for more information.

First Mortgage Lending
Whether you are looking to purchase your first home or refinance your current mortgage NeighborWorks Umpqua is your partner.

  • FHA financing
  • Conventional loan programs
  • Access to and layering with various down payment assistance programs

To find out more information contact our Lending Team at 541-673-4909

Loan Servicing for NeighborWorks Umpqua Loans
Looking for answers about your existing NeighborWorks Umpqua Loan?

Contact us by clicking the link.

Our Lending Blog

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One of the most common questions we hear at NeighborWorks Umpqua from first-time home buyers is whether or not they have enough saved to buy a home. How much is enough? Sure, if you can put 20% down on the home of your dreams and cover all your closing cost, that’s...

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What to do With the Rest of Your Tax Refund

With tax season behind us we can now look forward summer and a few of us out there may be holding on to the last bit of our tax refunds. Maybe you put aside a little bit just in case a good opportunity (or a surprise expense) arises.  If you were a last...

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