Services Departments Government

Clackamas Homebuyer Assistance Program (CHAP)

The CHAP Program can loan up to $14,000 to help qualified first-time homebuyers pay for downpayment and reasonable closing costs. A CHAP loan is a zero-percent interest deferred-payment loan.  Here is a fact sheet.

Follow these steps to apply for a CHAP loan:

  1. You (the Buyer) must complete a County-approved eight-hour homebuyer education class.  You may take a class through the Portland Housing Center ,  Hacienda CDC , NAYA or APICIA.  Other training options can be found on this list of training classes. The County may approve an online class if it is combined with one-on-one homebuyer counseling.
  2. (We no longer require the Buyer to attend a CHAP orientation.)
  3. The Buyer  must get pre-qualified for primary financing by an Oregon-licensed lender. Check out the State of Oregon -- Housing and Community Services' website:
  4. The Lender must contact Community Development for a current CHAP application packet
  5. The Buyer  shops for an eligible property --- finds an affordable house that is in excellent condition
    (Use this guide to help you learn how to look for problem areas in a house)
  6. Buyer and Seller sign a purchase/sale agreement and these required CHAP forms:
    1. Addendum form 02;
    2. Addendum form 03; and
    3. For houses built before 1978, a lead disclosure statement (form 19).
  7. The Buyer orders and pays for whole house inspection and pest & rot inspection
  8. The Lender submits a complete application packet to Clackamas County Community Development.  The packet must include:
    1. The home inspection report
    2. The pest and dry rot report
    3. A completed CHAP inspection request form 05

How long does loan approval take?

Who is eligible to apply?

What are the income limits?

What is the maximum purchase price?

Does the house have to meet certain requirements?

What inspections are required?

Contacts: Kevin Ko or Lori Stomps, 503-655-8591
Office Hours: Monday - Thursday  7 a.m. - 6 p.m. (closed Fridays)

How long does loan approval take?

To be an "Eligible Applicant", the homebuyer must:

To be a "Qualified Borrower", the homebuyer must:

HUD Income Limits for 2014
(Gross Annual)

Number in Household80% of Median

To be an "Eligible Property", the house must:

Inspections required:

The CHAP program is funded by a grant from the federal Department of Housing and Urban Development (HUD). The program is subject to funding availability. Homes purchased through the CHAP program must be the primary residence of the homebuyer. Other program requirements apply.

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