Why does down payment vary across Oregon?

Home prices vary widely; a 12% down payment scales with the local median. Owner financing often accepts less.

Yes, owner-finance deals commonly land in the 10-20% range. Conventional underwriting usually wants 20% to avoid PMI.

Can I find lower-down options?

Browse low-down-payment homes by city, many owner-finance and lease-option deals sit under 10%.

Buyer authority OR

Estimated owner-finance down payment by city in Oregon.

Down payments scale with home prices but flex by financing type. This ranks Oregon cities by an estimated typical down payment on an owner-financed or low-down deal (12% of estimated median home value). This is a modeled directional comparison, not a survey of actual closings.

Last updated September 2026

Oregon ranking

50 cities ranked. Click any row for the matching local page.

#	City	Est. typical down payment	Score
1	Lake Oswego	$84,200	15	View →
2	West Linn	$78,200	22	View →
3	Happy Valley	$72,600	28	View →
4	Portland	$69,400	32	View →
5	Tualatin	$69,000	32	View →
6	Sherwood	$68,200	33	View →
7	Damascus	$68,600	33	View →
8	Hillsboro	$64,600	37	View →
9	Bend	$63,600	38	View →
10	Oregon City	$62,000	40	View →
11	Beaverton	$61,100	41	View →
12	Newberg	$60,400	42	View →
13	Wilsonville	$59,900	42	View →
14	Eugene	$56,600	46	View →
15	Scappoose	$56,400	46	View →
16	Salem	$55,900	47	View →
17	Philomath	$55,800	47	View →
18	Clackamas	$54,200	49	View →
19	Sandy	$52,700	50	View →
20	Gresham	$51,700	51	View →
21	Canby	$52,100	51	View →
22	Estacada	$52,200	51	View →
23	Ashland	$51,100	52	View →
24	Troutdale	$51,400	52	View →
25	Gladstone	$50,900	52	View →
26	Hood River	$50,600	53	View →
27	Central Point	$49,700	54	View →
28	Hermiston	$49,700	54	View →
29	Albany	$48,800	55	View →
30	Mcminnville	$48,700	55	View →
31	Silverton	$48,100	55	View →
32	Cornelius	$48,400	55	View →
33	Eagle Point	$47,400	56	View →
34	Medford	$46,600	57	View →
35	Forest Grove	$46,400	57	View →
36	Molalla	$46,800	57	View →
37	Creswell	$46,400	57	View →
38	Pendleton	$45,600	58	View →
39	Astoria	$45,700	58	View →
40	Saint Helens	$46,000	58	View →
41	Lebanon	$45,100	59	View →
42	The Dalles	$44,900	59	View →
43	Dallas	$45,100	59	View →
44	Veneta	$45,000	59	View →
45	Springfield	$43,600	60	View →
46	Grants Pass	$43,600	60	View →
47	Roseburg	$44,300	60	View →
48	Redmond	$43,600	60	View →
49	Woodburn	$43,900	60	View →
50	Madras	$43,700	60	View →

Methodology

Estimated down = 12% of estimated median home value (representative of owner-financed and low-down deals). Conventional loans typically require 20%; FHA can be 3.5%. Use as a directional comparison.

FAQ

Why does down payment vary across Oregon?: Home prices vary widely; a 12% down payment scales with the local median. Owner financing often accepts less.
Is 12% realistic?: Yes, owner-finance deals commonly land in the 10-20% range. Conventional underwriting usually wants 20% to avoid PMI.
Can I find lower-down options?: Browse low-down-payment homes by city, many owner-finance and lease-option deals sit under 10%.