First-Time Homebuyer Programs in Tigard: Grants, Loans, and Local Resources
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Tigard's split 2026 market — Downtown Tigard accelerating sharply while the broader city has softened — means first-time buyers need to understand both which programs apply to their target neighborhood and which market dynamics give them leverage. Oregon and Washington County both offer assistance resources worth knowing.
State and Local Programs
Oregon Housing and Community Services is Oregon's primary statewide first-time buyer resource. The Oregon Bond Residential Home Loan Program's Cash Advantage option provides 4 to 5 percent of the first mortgage amount toward down payment and closing costs as a deferred second lien. The Rate Advantage option provides a below-market first mortgage rate.
Washington County's First Home Homeownership Program provides additional down payment assistance for first-time, low-to-moderate-income buyers in Washington County through partner organizations including Proud Ground, West Tuality Habitat for Humanity, and Portland Housing Center. Portland Housing Center's MAP-style programs serve Washington County buyers directly.
The Tigard Free Food Project's community culture reflects the kind of genuine community investment that makes Tigard worth putting down roots in — and the assistance programs help first-time buyers get to that closing table.
Oregon's First Home Savings Account allows tax-advantaged saving for a first home down payment for accounts opened by December 31, 2026.
Eligibility Basics
OHCS programs require completion of homebuyer education and counseling with a participating organization. Income limits apply at 80 to 100 percent of area median income. Oregon's Measure 50 system means buyers should calculate post-purchase tax impact independently from their assistance program research.
How to Apply
Start with an OHCS-approved lender and contact Washington County's First Home program or Portland Housing Center to confirm availability and eligibility for your specific Tigard address. Because Tigard's two submarkets behave very differently in 2026, confirming which neighborhood you are targeting first helps determine which programs and which market dynamics are most relevant.
Working With an Agent
Downtown Tigard's rapidly appreciating submarket moves in 11 days on average, while the broader city averages 36 days — a distinction that affects how much time buyers have to confirm program eligibility before going under contract. A local agent can help navigate both submarkets.
Get more first-time buyer resources and guides on Discover Tigard. Thinking about buying your first home in Tigard? Connect with Lucas Ugarte — local expertise makes all the difference.
Sources: oregon.gov — Oregon Bond Program, washingtoncountyor.gov — First Home Homeownership Program, refiguide.org — Oregon First-Time Home Buyer Loans Grants 2026
