How to Buy a Home When You Think You Can’t Afford One
Overview
Think you’ll be a renter forever? This workshop is for people who look at home prices, interest rates, and their bank account and think, “There’s no way I can afford to buy.”
In this session, you’ll learn how real families are becoming homeowners using programs most people don’t even know exist—things like USDA Direct 502, housing vouchers, community land trusts, grants, and even loan assumptions with 2–3% interest rates. We’ll break down how these tools can reduce your down payment, lower your monthly payment, and turn “someday” into a real plan.
You’ll walk away with:
- A simple understanding of the key affordable homeownership programs
- Clarity on which options might fit your situation
- A short list of realistic next steps you can start on right away
No sales pitch, no shame, no jargon—just straight talk about how to buy a home when you’re convinced you can’t afford one.
Lineup
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Highlights
- 1 hour
- In person
Location
3425 S Pacific Hwy
3425 South Pacific Highway
Medford, OR 97501
How do you want to get there?
Welcome & Expectations
Quick intro, what this workshop is (and isn’t), and a simple poll of where everyone is in their homeownership journey.
Why Homeownership Feels Impossible Right Now
Reality check on prices, rates, and common myths like “I need 20% down” and “I’ll be a renter forever.”
Programs That Change the Math
Plain-language overview of USDA Direct 502, vouchers, subsidized mortgages, community land trusts, and grants/down payment assistance.
Frequently asked questions
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