FOR Lenders

Any Commission-trained loan officer can work with you to determine which downpayment assistance program is the best fit.

Lenders

Get the Details

Downpayment Assistance Program Manuals and Other Documents
For use by lending professionals who are trained by the Commission in our programs.

Not yet one of our lending partners?
Learn how to join us here!

Which Homebuyers are Eligible?

First-time homeownership not required
Owner-occupied only: The home must be your principal residence.
Household income must not exceed $215,000 a year.

DPA Loan Repayment

No monthly payments required (just payment on your mortgage).
The balance is due and payable when the borrower:
- Sells, refinances, or transfers the property;
- Fails to maintain the property as their principal place of residence; or
- Pays off the home (at 30 years or before)

Use of Funds

Funds may be used for downpayment and closing costs.

Required Steps

You must attend a free Homebuyer Education Class sponsored by the Washington State Housing Finance Commission and receive your certificate. You can take this class any time, but the earlier in your homeownership journey, the better. Learn more and find a class.

Is this the right program for me?

Don’t worry – you’ll work with a Commission-trained loan officer who will help you determine which of our downpayment assistance programs will work best for you, as well as the home price you can afford, how much cash you will need to close, and how much you can borrow.

Home Advantage Needs-Based DPA

Combines with the Home Advantage first-mortgage loan program
Offers up to $10,000 in downpayment assistance at 1% simple interest.
For those earning up to $157,100 in King/Snohomish counties; $122,100 in all other counties.
Purchasing a home for more than $250,000? See our Home Advantage Downpayment Assistance option above.

Homebuyers

Connect to this Program

Any Commission-trained loan officer can work with you to determine which downpayment assistance program is the best fit.

Lenders

Get the Details

Downpayment Assistance Program Manuals and Other Documents
For use by lending professionals who are trained by the Commission in our programs.

Not yet one of our lending partners?
Learn how to join us here!

Which Homebuyers are Eligible?

First-time homeownership not required
Owner-occupied only: The home must be your principal residence.
Household income must not exceed $157,100 in King and Snohomish counties, $122,100 in all other counties.
Needs assessment is required for borrowers, except for military veterans.

DPA Loan Repayment

No monthly payments required (just payment on your mortgage).
The balance is due and payable when the borrower:
- Sells, refinances, or transfers the property;
- Fails to maintain the property as their principal place of residence; or
- Pays off the home (at 30 years or before)

Use of Funds

Funds may be used for downpayment and closing costs.

Required Steps

You must attend a free Homebuyer Education Class sponsored by the Washington State Housing Finance Commission and receive your certificate. You can take this class any time, but the earlier in your homeownership journey, the better. Learn more and find a class.

Is this the right program for me?

Don’t worry – you’ll work with a Commission-trained loan officer who will help you determine which of our downpayment assistance programs will work best for you, as well as the home price you can afford, how much cash you will need to close, and how much you can borrow.

House Key Opportunity DPA

Combines with the House Key Opportunity first-mortgage loan program
Offers up to $15,000 in downpayment assistance at 1% simple interest

Homebuyers

Connect to this Program

Any Commission-trained loan officer can work with you to determine which downpayment assistance program is the best fit.

Lenders

Get the Details

Downpayment Assistance Program Manuals and Other Documents
For use by lending professionals who are trained by the Commission in our programs.

Not yet one of our lending partners?
Learn how to join us here!

Which Homebuyers are Eligible?

Owner-occupied only: The home must be your principal residence.
First-time homebuyers only – or you must be purchasing a home in a Target Area
Needs assessment is required for borrowers, except for military veterans. Your lender will take you through this process of supplying household financial information.

Counties	1-2 Person Household	3+ Persons Household
Counties King/Snohomish	1-2 Person Household $96,950	3+ Persons Household $121,150
Counties Clark/Kitsap/Pierce/Skamania	1-2 Person Household $79,450	3+ Persons Household $99,300
Counties Thurston/Whatcom	1-2 Person Household $74,700	3+ Persons Household $93,350
Counties All Other Counties	1-2 Person Household $67,600	3+ Persons Household $84,500

DPA Loan Repayment

No monthly payments required (just payment on your mortgage).
The balance is due and payable when the borrower:
- Sells, refinances, or transfers the property;
- Fails to maintain the property as their principal place of residence; or
- Pays off the home (at 30 years or before)

Use of Funds

Funds may be used for downpayment and closing costs.

Required Steps

You must attend a free Homebuyer Education Class sponsored by the Washington State Housing Finance Commission and receive your certificate. You can take this class any time, but the earlier in your homeownership journey, the better. Learn more and find a class.

Is this the right program for me?

Don’t worry – you’ll work with a Commission-trained loan officer who will help you determine which of our downpayment assistance programs will work best for you, as well as the home price you can afford, how much cash you will need to close, and how much you can borrow.

Visit the Covenant page here to learn more!

Created by the Covenant Homeownership Act in 2023
Serves those with pre-1968 roots in Washington state, who themselves or a parent or grandparent lived in Washington before 1968, and who are/were members of certain groups affected by housing discrimination
Combines with the Home Advantage or House Key Opportunity first-mortgage loan programs
Offers a downpayment assistance loan of up to 20% of the cost of the home — up to $150,000 — plus closing costs

Homebuyers

Connect to this Program

Any Commission-trained loan officer can work with you to determine which downpayment assistance program is the best fit.

Lenders

Get the Details

Downpayment Assistance Program Manuals and Other Documents
For use by lending professionals who are trained by the Commission in our programs.

Not yet one of our lending partners?
Learn how to join us here!

Is this the right program for me?

Don’t worry – you’ll work with a Commission-trained loan officer who will help you determine which of our downpayment assistance programs will work best for you, as well as the home price you can afford, how much cash you will need to close, and how much you can borrow.

HomeChoice DPA

Combines with the Home Advantage or House Key Opportunity first-mortgage loan programs
Offers up to $15,000 for buyers with a disability or disabled family member living with them.
For those earning up to $157,100 in King/Snohomish counties; $122,100 in all other counties

Homebuyers

Connect to this Program

Any Commission-trained loan officer can work with you to determine which downpayment assistance program is the best fit.

Lenders

Get the Details

Downpayment Assistance Program Manuals and Other Documents
For use by lending professionals who are trained by the Commission in our programs.

Not yet one of our lending partners?
Learn how to join us here!

Which Homebuyers are Eligible?

Borrowers who have a disability or who have a family member with a disability living with them. The disability must be verified and meet the definition of disabled per the Americans with Disabilities Act of 1990 (the ADA) or RCW 71A.10.020.
Household income must not exceed $157,100 in King and Snohomish counties, $122,100 in all other counties.
First-time homeownership required — unless you are buying in a Targeted Area.
Owner-occupied only: The home must be your principal residence.
Needs assessment is required for borrowers, except for military veterans.

Use of Funds

Funds may be used for downpayment and closing costs.

DPA Loan Repayment

No monthly payments required (just payment on your mortgage).
The balance is due and payable when the borrower:
- Sells, refinances, or transfers the property;
- Fails to maintain the property as their principal place of residence; or
- Pays off the home (at 30 years or before)

Required Steps

You must attend a free Homebuyer Education Class sponsored by the Washington State Housing Finance Commission and receive your certificate. You can take this class any time, but the earlier in your homeownership journey, the better. Learn more and find a class.
You must also attend a one-on-one pre-purchase counseling session. Once you are pre-approved and your lender says you are ready to close, contact one of the following agencies to schedule an appointment for a one-on-one pre-purchase counseling session:

Statewide: American Financial Solutions, 888-864-8699, or Parkview Services, Loretta Cael at 509.861.3330

Asotin County: Valley Residential Services, Nancy Riggle, 509-522-0400

Clark & Skamania Counties: Community Housing Resource Center, 360-690-4496 x100

Ferry County: Rural Resources Community Action, Jan Owens, 509-685-6179

King County: HomeSight, 206-723-4355; Parkview Services, Loretta Cael at 509.861.3330; or Urban League of Metropolitan Seattle, 800-368-1455

Pend Oreille County: Rural Resources Community Action, Jan Owens, 509-685-6179

San Juan County: Opal Community Land Trust, Julie Brunner, 360-376-3191

Snohomish County: Homestead Community Land Trust, 206-323-1227, or Parkview Services, Loretta Cael at 509.861.3330

Spokane County: Spokane Neighborhood Action Partners, 509-319-3041

Stevens County: Rural Resources Community Action, Jan Owens, 509-685-6179

Walla Walla County: Valley Residential Services, Nancy Riggle, 509-522-0400

Whatcom, Skagit & Island Counties: Kulshan Community Land Trust, 360-671-5600, ext.

Other Counties: If there is no service provider located in your area, please contact one of the statewide service providers or a service provider in a neighboring county, or email Dietrich.Schmitz@wshfc.org for assistance.

Is this the right program for me?

Don’t worry – you’ll work with a Commission-trained loan officer who will help you determine which of our downpayment assistance programs will work best for you, as well as the home price you can afford, how much cash you will need to close, and how much you can borrow.

Veterans Downpayment Assistance Program

Serves military veterans in Washington state
Combines with the Home Advantage or House Key Opportunity first-mortgage loan program
Offers up to $10,000 in downpayment assistance at 3% interest.

Homebuyers

Connect to this Program

Any Commission-trained loan officer can work with you to determine which downpayment assistance program is the best fit.

Lenders

Get the Details

Downpayment Assistance Program Manuals and Other Documents
For use by lending professionals who are trained by the Commission in our programs.

Not yet one of our lending partners?
Learn how to join us here!

Which Homebuyers are Eligible?

First-time homebuyers only – or you must be purchasing a home in a Target Area
Owner-occupied only: The home must be your principal residence.
Also, the home must not have been occupied by a tenant within 90 days of the purchase and sale agreement.
Eligible military veterans include:
- Persons receiving an honorable discharge or who have received a discharge for medical reasons with an honorable record;
- Members and honorably discharged former members of the Washington National Guard and Reserve; and
- Never remarried spouses and dependent children of deceased veterans.
Household income must not exceed $157,100 in King and Snohomish counties, $122,100 in all other counties.

Use of Funds

Funds may be used for downpayment and closing costs based upon need.

Required Steps

You must attend a free Homebuyer Education Class sponsored by the Washington State Housing Finance Commission and receive your certificate. You can take this class any time, but the earlier in your homeownership journey, the better. Learn more and find a class.

DPA Loan Repayment

No monthly payments required (just payment on your mortgage).
The balance is due and payable when the borrower:
- Sells, refinances, or transfers the property;
- Fails to maintain the property as their principal place of residence; or
- Pays off the home (at 30 years or before)

Is this the right program for me?

Don’t worry – you’ll work with a Commission-trained loan officer who will help you determine which of our downpayment assistance programs will work best for you, as well as the home price you can afford, how much cash you will need to close, and how much you can borrow.

ARCH (East King County)

Serves those buying a home within an ARCH member area of East King County (see below)
Combines with the Home Advantage or House Key Opportunity first mortgage loan programs
Offers up to $30,000 in downpayment assistance at 4% simple interest.

Homebuyers

Connect to this Program

Any Commission-trained loan officer can work with you to determine which downpayment assistance program is the best fit.

Lenders

Get the Details

Downpayment Assistance Program Manuals and Other Documents
For use by lending professionals who are trained by the Commission in our programs.

Not yet one of our lending partners?
Learn how to join us here!

Which Homebuyers are Eligible?

No need to be a first-time homebuyer
Owner-occupied only: The home must be your principal residence.
Also, the home must not have been occupied by a tenant within 90 days of the purchase and sale agreement.
Buying a home in the following cities of East King County:
- Beaux Arts Village | Bellevue | Bothell | Clyde Hill | Hunts Point | Issaquah | Kenmore | Kirkland | Medina | Mercer Island | Newcastle | Redmond | Sammamish | Woodinville | Yarrow Point
Buying a home under these price limits:
- New construction home limit = $660,000
- Existing home limit = $646,000.
Household income must not exceed these limits:

Household Size	Household Income Limit
Household Size 1	Household Income Limit $84,850
Household Size 2	Household Income Limit $96,950
Household Size 3	Household Income Limit $109,050
Household Size 4	Household Income Limit $121,150
Household Size 5	Household Income Limit $130,850
Household Size 6	Household Income Limit $140,550
Household Size 7	Household Income Limit $150,250
Household Size 8	Household Income Limit $157,100

Use of Funds

Funds may be used for downpayment and closing costs based upon need.
The borrower must contribute 2% of the purchase price. Up to half of this 2% can be from gift funds.

Loan Repayment

No monthly payments required.
The balance is due and payable when the borrower(s):
- Sells, refinances, or transfers the property
- Fails to maintain it as their principal place of residence; or
- When the home is paid off (on or before 30 years).

Required Steps

You must attend a free Homebuyer Education Class sponsored by the Washington State Housing Finance Commission and receive your certificate. You can take this class any time, but the earlier in your homeownership journey, the better. Learn more and find a class.
You must also attend a one-on-one pre-purchase counseling session.

Once you are pre-approved and your lender says you are ready to close, contact one of the following agencies to schedule an appointment for a one-on-one pre-purchase counseling session:

American Financial Solutions, 888-864-8699
Parkview Services, Loretta Cael, 509-861-3330
Urban League of Metropolitan Seattle, 800-368-1455

Is this the right program for me?

Don’t worry – you’ll work with a Commission-trained loan officer who will help you determine which of our downpayment assistance programs will work best for you, as well as the home price you can afford, how much cash you will need to close, and how much you can borrow.

Bellingham Downpayment Assistance Program

Serves those buying a home within the city limits of Bellingham
Combines with the Home Advantage or House Key Opportunity first-mortgage loan program
Offers up to $40,000 in downpayment assistance at 3% simple interest.

Homebuyers

Connect to this Program

Any Commission-trained loan officer can work with you to determine which downpayment assistance program is the best fit.

Lenders

Get the Details

Downpayment Assistance Program Manuals and Other Documents
For use by lending professionals who are trained by the Commission in our programs.

Not yet one of our lending partners?
Learn how to join us here!

Which Homebuyers are Eligible?

First-time homebuyers only
Owner-occupied only: The home must be your principal residence.
Also, the home must not have been occupied by a tenant within 90 days of the purchase and sale agreement.
Buying a home in the city limits of Bellingham, Wash.
Buying a home under these price limits:
- Single-Unit (Detached, Attached & Manufactured): $667,850
- Condominium: $375,250
Household income must not exceed these limits:

Household Size	Household Income Limit
Household Size 1	Household Income Limit $60,700
Household Size 2	Household Income Limit $69,400
Household Size 3	Household Income Limit $78,050
Household Size 4	Household Income Limit $86,700
Household Size 5	Household Income Limit $93,650
Household Size 6	Household Income Limit $100,600
Household Size 7	Household Income Limit $107,550
Household Size 8	Household Income Limit $114,450

Use of Funds

Funds may be used for downpayment and closing costs based upon need.
The borrower must contribute $2,500 toward the downpayment or 1% of the purchase price, whichever is greater. Up to 25% of this borrower contribution can be from gift funds.

Loan Repayment

No monthly payments required.
The balance is due and payable when the borrower(s):
- Sells, refinances, or transfers the property
- Fails to maintain it as their principal place of residence; or
- When the home is paid off (on or before 30 years).

Required Steps

You must attend a free Homebuyer Education Class sponsored by the Washington State Housing Finance Commission and receive your certificate. You can take this class any time, but the earlier in your homeownership journey, the better. Learn more and find a class.
You must also attend a FREE one-on-one pre-purchase counseling session.

Once you are pre-approved and your lender says you are ready to close, contact Kulshan Community Land Trust at 360-671-5600 to schedule an appointment for a one-on-one pre-purchase counseling session:

Is this the right program for me?

Don’t worry – you’ll work with a Commission-trained loan officer who will help you determine which of our downpayment assistance programs will work best for you, as well as the home price you can afford, how much cash you will need to close, and how much you can borrow.