Oregon Housing Trust Fund is managed by Oregon Housing and Community Services (OHCS) or a partnering city
housing bureau to expand access to safe, affordable housing across Oregon. Qualifying households may receive
varies plus fixed‑rate first mortgages, homebuyer education, and post‑purchase counseling. The program layers
with FHA, VA, USDA, and conventional products and can pair with the Oregon Affordable Housing Tax Credit for
significant interest‑rate reductions. Income and purchase‑price limits align with HUD Area Median Income
guidelines and are updated annually. Properties must be primary residences and meet OHCS minimum property
standards. Certain assistance loans are forgiven after a required occupancy period. Funds are reserved through
an OHCS‑approved lender network and disbursed at closing to reduce out‑of‑pocket costs.