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Tigard Affordable Homeownership Program

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The City of Tigard partners with a local organization to offer down payment assistance grants to income-eligible first-time homebuyers of property within the city limits.

The Tigard Affordable Homeownership Program was created in 2021, using funds from the Community Development Block Grant (CDBG) program and Construction Excise Tax (CET).

The program provides a grant of up to $200,000 to assist income-eligible first-time homebuyers to purchase a home located within the City of Tigard. The City of Tigard partners with Proud Ground to provide downpayment assistance and permanent affordability utilizing a land trust model.

To learn more and to apply, please visit Proud Ground.

If you are a potential homebuyer and have questions regarding Proud Ground’s buying process, contact Proud Ground at submit@proudground.org or Martha Ochoa at 503-493-0293 X109.

Frequently Asked Questions

Select a frequently asked question below to see the answer.

▶  Who qualifies as a first-time homebuyer?

First-time homebuyers are defined as having not owned a home during the 3-year period prior to purchase with this assistance. This includes a spouse. If either spouse meets the above definition, the homebuyers are considered first-time homebuyers.

▶  Who qualifies for this grant?
  1. Homebuyers must be currently living or working within Washington County.
  2. Grant recipients must be first-time homebuyers and meet income qualifications.
  3. The home purchased must be located within the City of Tigard.
  4. Grant recipients must qualify for a minimum mortgage of $300,000 with a Proud Ground preferred lender. ITIN and Islamic Compliance loans are available.
  5. Grant recipients must have at least $5,000 of personal savings for earnest money and inspections. Please note you will also be responsible for loan closing costs. Your lender will provide you with an estimate.
  6. Grant recipients must have debt-to-income ratios that fall under certain limits.
    • Front-end debt-to-income ratio (% of income that goes toward housing costs): 38%
    • Back-end debt-to-income ratio (% of income that goes toward all debt): 45%
▶  What is the household income limit?

Grant recipients must have a total household income that falls under a specific income limit. This means that the combined income of all of the people that will live in the home you hope to purchase must be less than or equal to a certain amount. This amount changes based on your household size, or the number of people that will live in the home. Your total household income must include gross annual income (before taxes), commission, overtime, bonuses, child support, alimony, pension, benefits and any income from a household member over the age of 18, even if they are not going to be on the home loan. Please review the table to see if you qualify.

Household Size Maximum Household Income
1 $69,550
2 $74,450
3 $89,400
4 $99,300
5 $107,250
▶  What should households expect if awarded this grant?
  1. If you are awarded this grant, you and your Realtor will attend a grant orientation to review the grant guidelines and restrictions.
  2. In addition to the $5,000 in earnest money mentioned above, grant recipients are responsible for:
    • A minimum contribution of $500 toward the downpayment.
    • Loan closing costs - Your lender will provide you with an estimate.
    • Recording fees to document the change in property ownership. The recording are estimated at $800.
    • The $51.50 Proud Ground monthly fee.
  3. After you buy your home, you will be required to complete 60 hours of work on the home per homebuyer, plus 8 hours from a friend or family member, within 3 months after the closing date.