Some home buyers in Portland, Oregon have a hard time coming up with the funds needed to cover their closing costs and down payment. It's easy to understand why. On a typical home purchase in Portland, the minimum (3%) down payment for a conventional loan might range from $15,000 to $20,000. Additionally, a home buyer's closing costs could double that upfront investment. That's why Portland home buyers often request concessions from the seller, to help cover their closing costs. This strategy can help buyers overcome the upfront cost hurdles of a home purchase.