Homebuyer Assistance Program

Assistance for First Time Homebuyers - HAP Program

The City of Eugene Community Development Department is pleased to announce the release of the FY 15/16 Allocation for Homebuyer Assistance. Eugene City Council has allocated $100,000 of Community Development Block Grants funds for the Homebuyer Assistance Program (HAP) for the next fiscal year (July 2015 – June 2016).

Effective 9-4-2015,
the City will be accepting electronic reservations from lenders on behalf of their borrowers for homebuyer assistance. Lenders interested in submitting a reservation should contact housing assistance programs staff at 541-682-5446.

The City of Eugene launched its Homebuyer Assistance Program (HAP) in July 1998. Since then, an average of thirty loans per year have been made to help first time homebuyers purchase a home in Eugene!

Program Description

Eugene's HAP Program is available to low-income residents who are first-time buyers planning to purchase a home in Eugene. The City of Eugene may loan up to $10,000 to help with the down payment and closing costs related to the purchase of an eligible Single Family Detached (SFD), Condo, or PUD home in Eugene. The borrower must contribute from their own resources (such as savings or a bona fide gift) at least 50% of the minimum downpayment required by the primary lender. HAP loans are interest-free, with payments deferred until the borrower sells the home or no longer occupies the home as their primary residence.

Electronic Reservations of funds are accepted only from the primary lender on behalf of the borrower for buyers in a bona fide escrow with funds on deposit. The primary lender will complete all paperwork and submit the electronic reservation to the City. Once complete the HAP application and credit package are completed hard copies are submitted by the primary lender directly to the city. The primary lender will make their credit decision and determine the loan amount they can offer. The city will evaluate the property, borrower’s qualifications, evaluate level of assistance warranted and determine if income utilizing HUD’s Part 5 methodology is at or below the income cap adjusted for number of people that will occupy the residence.

Eligible Homes

What are the eligibility requirements for each home?
  • Single Family Detached (SFD), Condo, or PUD home are acceptable. A manufactured home may qualify for HAP assistance. Duplexes or other multi-unit properties including properties with in-law/granny units are not eligible See your lender for more information.
  • At the time the house is listed for sale, it must be either seller-occupied, buyer occupied (as a renter), or vacant.
  • The condition of the house must meet minimum Housing Quality Standards as determined by HUD.
  • The house must be located within the incorporated Eugene city limits.
  • The house will be and remain the buyer's principal residence.
  • The sales price and appraised value of the house, after completion of any required repairs, cannot exceed $209,000.


  • The city lien will only be subordinate to the primary lender’s lien.
  • Prior to commitment of HAP funds, the subject property, unless built in 1978 or later, must pass a visual inspection of interior and exterior paint. To meet HAP program requirements, all painted surfaces must be smooth and intact.
  • The buyer must be credit qualified for a home loan by a lending institution (Bank, Credit Union, Mortgage Company, etc). Talk to a lender about other qualification requirements.
  • The buyer is a first-time homebuyer if they have not owned their primary residence within the past three years.
  • The buyer must successfully complete the ABC's of Homebuying sponsored by the Neighborhood Economic Development Corporation (NEDCO). Contact NEDCO at 345-7106 to learn more about the class, the schedule, or to enroll. http://nedcocdc.org/nedco/homeownership/
  • The buyer's total annual household income must meet the allowable amount listed below.

Your total annual household income cannot exceed the allowable amount listed below:
2016 Household Income Limits (80% AMI)
Household Size
Income Limits
 Homebuyer Assistance Program Brochure (PDF)