Oregon has a brand new savings account for home buyers! You can save $5,000-$10,000 annually, tax free. 5-10% down payments are really common, so you can get enough for a down payment and closing costs really fast! I do feel that the list fees that can be paid with these funds are misleading, buyer’s don’t pay Realtor fees. The seller pays both agents. Buyer costs are down payment, closing costs (loan, title, county fees, taxes), appraisal and home inspections. I wish they would let buyers use these funds towards inspections, they run $500-1500! Contact a tax professional for more info, but call me when you want start the process of buying a house!