First-Time Homebuyer Programs in Tualatin: Grants, Loans, and Local Resources

Tualatin's Washington County location and improving 2026 market dynamics give first-time buyers more time and leverage than they have had in recent years. Oregon and Washington County both offer assistance resources that can meaningfully reduce the upfront cost of homeownership here.

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 with no monthly payments. The Rate Advantage option offers a below-market first mortgage rate for buyers whose primary need is monthly payment reduction rather than upfront cash.

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. The Portland Housing Center's programs serve Washington County buyers directly with additional DPA options.

DevNW's down payment assistance programs serve buyers in Clackamas, Benton, Lane, Lincoln, Linn, Marion, and Polk counties — Tualatin's Washington County address is served primarily through Portland Housing Center and Washington County's own First Home program rather than DevNW's Clackamas-focused offerings. The Tualatin Dog Park and the city's community infrastructure reflect the kind of investment that makes ownership here genuinely worthwhile — and the assistance programs help first-time buyers get to the closing table.

Oregon's First Home Savings Account allows tax-advantaged saving for a first home down payment through December 31, 2026.

Eligibility Basics

OHCS programs require a homebuyer education course and one-on-one counseling with a participating organization. Income limits apply at 80 to 100 percent of area median income. Washington County's program has its own eligibility requirements administered through the partner organizations listed above.

How to Apply

Start with an OHCS-approved lender and contact the Washington County First Home program or Portland Housing Center to confirm current funding availability and eligibility for your specific Tualatin address and income level. Washington County's program availability varies by funding cycle.

Working With an Agent

Tualatin's mixed price signals in 2026 — with different data sources showing prices moving in opposite directions — make working with a local agent who can provide specific comparable data for your target neighborhood especially important alongside your program research.

Get more first-time buyer resources and guides on Discover Tualatin. Thinking about buying your first home in Tualatin? Connect with Michael Bernards — local expertise makes all the difference.

Visit Discover Tualatin

Sources: oregon.gov — Oregon Bond Program, washingtoncountyor.gov — First Home Homeownership Program, refiguide.org — Oregon First-Time Home Buyer Loans Grants 2026