Washington offers 58 down payment assistance programs to help homebuyers cover their down payment and closing costs. This includes 2 grant programs that never require repayment. Programs range from statewide options administered by the state housing finance agency to local city and county programs targeting specific communities.
Maximum assistance available reaches $150,000 through the most generous program. Credit score requirements start as low as 620 for some programs. Most programs require the home to be your primary residence, and many require homebuyer education.
Top Down Payment Assistance Programs in Washington
Highlighted programs that combine high assistance amounts with statewide or major-metro availability. See the full list below.
WSHFC Covenant Homeownership Program
verifyWashington State Housing Finance Commission (WSHFC)
20% of purchase price (max (max UP TO 20% of purchase price (max $150,000))
Covenant Down Payment Assistance
openWashington State Housing Finance Commission
20 (max $150,000)
Parkview Services Pre-Purchase Homeownership DPA
verifyParkview Services (HUD-approved nonprofit housing counseling agency)
UP TO $90,000 in layered DPA (based on need; historical range $16,500-$82,500)
Downpayment Assistance Program
openCity of Seattle - Housing
$90,000
Tacoma Housing Trust Fund DPA
verifyCity of Tacoma
UP TO $80,000
Grant Programs (2)
Grants are the gold standard of down payment assistance. You receive the money and never have to pay it back.
Down Payment Assistance
Confederated Tribes of Grand Ronde - Housing
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Yes
BECU First-Time Homebuyer Grant
BECU (Boeing Employees Credit Union)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Income limits apply (approximately $124,...
- Min Credit Score
- Not specified
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- BECU conventional fixed or adjustable-rate
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Income limits apply (approximately $124,000/year household per third-party sources; contact BECU for current limits)
Check AMI limits for your county →Interest Rate
N/A (grant, no repayment required)
Repayment Terms
No repayment required as long as buyer lives in home at least 3 years
Additional Requirements
Grant is not a loan; taxes may apply (1099-MISC issued); available in WA, OR, SC, ID, CA, AZ, IL, KS, MO, PA; $2M allocated in 2024; program has helped 1,500+ families since 2018
Notes
First-time buyer required (does not currently own residential real property)
Forgivable Loans (1)
Forgivable loans are forgiven after a set period of living in the home. If you stay, you keep the money.
Pasco DPA (Tri-Cities HOME Consortium)
City of Pasco (Tri-Cities HOME Consortium)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- 620+
- Property Types
- single-family, condo, manufactured (permanent foundation on owned land)
- Max Price
- $367,000 (existing); $361,000 (new construction)
Quick Facts
- Loan Types
- 30-year fixed rate conforming
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
80% AMI ($59,150 for 1 person to $111,550 for 8 persons, effective April 2025)
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Forgivable after 6-year affordability period; due on sale, transfer, or failure to maintain primary residence
Additional Requirements
Property must be within Pasco city limits; if DTI under 18%, minimum 2% or $2,000 contribution required
Notes
First-time buyer required
Deferred Payment Loans (33)
Deferred loans require no monthly payments while you live in the home. You repay when you sell, refinance, or move out.
Covenant Down Payment Assistance
Washington State Housing Finance Commission
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD, HUD 184 +5, USDA-RD +5
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Repayment Terms
Deferred Payment - Repayment at sales or finance
Downpayment Assistance Program
City of Seattle - Housing
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, Community Land Trust
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Repayment Terms
Deferred Payment - Repayable at sale or refinance
HomeSight Purchase Assistance
HomeSight (nonprofit CDFI)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Varies by sub-program
- Min Credit Score
- Not specified
- Property Types
- single-family, townhome, condo, manufactured (permanent foundation)
- Max Price
- Not specified
Quick Facts
- Loan Types
- 30-year conforming fixed rate
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
3% simple interest
Repayment Terms
Deferred payment loan; no payments for 30 years; due on sale, transfer, or cash refinance
Additional Requirements
Multiple DPA sources can be layered together. Specific eligibility criteria vary by individual sub-program
Notes
Varies by sub-program
Seattle Housing Trust Fund
HomeSight - Homeownership Center
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, Manufactured, Community Land Trust
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
3% Simple Interest
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Down Payment Assistance Program
Columbia Valley Affordable Homeownership
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
3% Simple Interest
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Snohomish County Loan
HomeSight - Homeownership Center
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, Manufactured
- Max Price
- $618,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
3% Simple Interest
Repayment Terms
Deferred Payment - Repayable at sale or refinance
HomeSight City of Seattle Puget Sound Revolving Loan Fund
HomeSight - Homeownership Center
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, Manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
HomeSight Pierce County Puget Sound Revolving Loan Fund
HomeSight - Homeownership Center
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, Manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
HomeSight Revolving Loan Fund (Statewide)
HomeSight - Homeownership Center
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, Manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1, USDA-RD
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
HomeSight Snohomish County Revolving Loan Fund
HomeSight - Homeownership Center
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, Manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
HomeSight South King County Puget Sound Revolving Loan Fund
HomeSight - Homeownership Center
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, Manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Puget Sound Revolving Loan Fund
HomeSight - Homeownership Center
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, Manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
South King County Loan
HomeSight - Homeownership Center
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, Manufactured, Community Land Trust
- Max Price
- $632,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
3% Simple Interest
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Bellingham Downpayment Assistance
Washington State Housing Finance Commission
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Manufactured, Condominium
- Max Price
- $667,850
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
3.00% simple interest
Repayment Terms
Deferred Payment - Repayment at sales or finance
HomeSight WA State Loan
HomeSight - Homeownership Center
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, Manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
3% Simple Interest
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Pierce County Loan
HomeSight - Homeownership Center
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, Manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
3% Simple Interest
Repayment Terms
Deferred Payment - Repayable at sale or refinance
ARCH East King County Downpayment Assistance
Washington State Housing Finance Commission
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- $660,000
Quick Facts
- Loan Types
- Home Advantage, Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
4.00% simple interest
Repayment Terms
Deferred Payment - Repayment at sales or finance
HomeSight Buyer Readiness Fund
HomeSight (nonprofit CDFI)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Varies; HomeSight income guidelines appl...
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Repayment Terms
Deferred loan terms; specific repayment tied to program guidelines
Additional Requirements
Not used for down payment directly; pays down existing debt so borrower qualifies for purchase
Notes
Not traditional DPA; funds used to pay down existing debt so buyer can qualify for mortgage
Snoqualmie Tribe Down Payment Assistance
Snoqualmie Tribe
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Not specified
Repayment Terms
Deferred Payment - Repayable at sale or refinance
HomeChoice Downpayment Assistance
Washington State Housing Finance Commission
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4, USDA-RD +3, USDA-RD +1, USDA-RD
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
1% simple interest
Repayment Terms
Deferred Payment - Repayment at sales or finance
Opportunity Downpayment Assistance
Washington State Housing Finance Commission
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1, USDA-RD
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
1% simple interest
Repayment Terms
Deferred Payment - Repayment at sales or finance
Down Payment Assistance (DPA) Program
Tri-Cities HOME Consortium
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Manufactured
- Max Price
- $347,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Forgivable - Fully forgiven at closing or forgiven on a schedule
Home Advantage Downpayment Assistance - Needs Based Program
Washington State Housing Finance Commission
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4, USDA-RD +3
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
1% simple interest
Repayment Terms
Deferred Payment - Repayment at sales or finance
Veterans Downpayment Assistance
Washington State Housing Finance Commission
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4, USDA-RD +3, USDA-RD +1, USDA-RD
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
3% simple interest
Repayment Terms
Deferred Payment - Repayment at sales or finance
Down Payment Assistance
Chehalis Tribal Housing Authority
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- No
Repayment Terms
Deferred Payment - Repayable at sale or refinance
City of Spokane Down Payment Assistance
Community Frameworks
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
0% for first 5 years, 3% thereafter
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Kitsap County Down Payment Assistance
Community Frameworks
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, Manufactured, Community Land Trust, M...
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
0% first 5 years, 3% thereafter
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Rural Kitsap Down Payment Assistance
Community Frameworks
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $494,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
0% first 5 years, 3% thereafter
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Homebuyer Program
Habitat for Humanity Seattle
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- No
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Down Payment / Closing Cost Assistance
Spokane Indian Housing Authority
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Not specified
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Home Advantage Downpayment Assistance
Washington State Housing Finance Commission
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Repayment Terms
Deferred Payment - Repayment at sale or refinance
Chenoa Fund FHA Down Payment Assistance Forgivable
CBC Mortgage Agency (Chenoa Fund)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, 2 units, Leasehold, Condominium, Townhouse/PUD, Manufactured
- Max Price
- $766,550
Quick Facts
- Loan Types
- FHA
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Chenoa Fund FHA Down Payment Assistance Repayable
CBC Mortgage Agency (Chenoa Fund)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, 2 units, Leasehold, Condominium, Townhouse/PUD, Manufactured
- Max Price
- $766,550
Quick Facts
- Loan Types
- FHA
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
Note rate 1% above the first mortgage note rate
Repayment Terms
This loan does require a monthly payment on the second mortgage.
Second Mortgages (22)
These programs provide DPA as a second mortgage, sometimes with monthly payments, sometimes deferred.
WSHFC Covenant Homeownership Program
Washington State Housing Finance Commission (WSHFC)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 100% AMI
- Min Credit Score
- 620+
- Property Types
- single-family, townhome, condo, manufactured (permanent foundation)
- Max Price
- $150,000
Quick Facts
- Loan Types
- FHA, VA, USDA, Conventional, HUD 184
- Assistance Type
- second mortgage
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
0% interest deferred loan; no monthly payments; repayment deferred until sale, refinance, or mortgage payoff
Additional Requirements
Must meet specific demographic criteria related to the state's history of housing discrimination
Notes
First-time buyer required
Parkview Services Pre-Purchase Homeownership DPA
Parkview Services (HUD-approved nonprofit housing counseling agency)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low-moderate income
- Min Credit Score
- Not specified
- Property Types
- single-family, manufactured (permanent foundation, post-1978, converted to real ...
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- second mortgage
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Low to moderate income; varies by county funding source
Check AMI limits for your county →Interest Rate
0% traditional interest; shared appreciation model (borrower shares percentage of future property value on sale/refinance)
Repayment Terms
No payments for 30 years or until sale, move-out, or refinance. Shared appreciation applies at repayment event.
Additional Requirements
Funding sources include Washington State Housing Trust Fund, King County, City of Seattle, Snohomish County, City of Everett, Skagit County, WSHFC, and Federal Home Loan Bank; one of two organizations approved by City of Seattle for DPA counseling
Notes
Exclusively for households with a member who has intellectual/developmental disability (RCW 71A.10.020). Min $1,000 personal savings required.
Tacoma Housing Trust Fund DPA
City of Tacoma
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family, condo, townhouse, limited equity cooperative, community land trus...
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- second mortgage
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
0% interest deferred loan; deferred 30 years or until sale/refinance
Notes
First-time buyer required
Seattle Down Payment Assistance Program
Seattle Office of Housing (through partner nonprofits: HomeSight, Habitat, Homestead CLT, Parkview)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family, townhome, condo, manufactured (permanent foundation), limited equ...
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- second mortgage
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
3% simple interest
Repayment Terms
3% simple interest deferred loan; deferred 30 years or until sale/refinance
Additional Requirements
Must work with a participating partner nonprofit (HomeSight, Habitat for Humanity, Homestead CLT, or Parkview)
Notes
First-time buyer required
Tacoma TCRA Program
City of Tacoma
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family, condo, townhouse, limited equity cooperative, community land trus...
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- second mortgage
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
80% AMI by household size ($67,700 for 1 person to $112,150 for 6 persons)
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
0% interest deferred loan; deferred 25 years or until sale/refinance
Additional Requirements
Goal of 65% Black household participation. Applications accepted through December 2025
Notes
Likely same program as Tacoma Housing Trust Fund DPA (both administered by TCRA). All funding committed; applications no longer accepted.
Clark County Homebuyer Down Payment Assistance
Clark County Treasurer (in partnership with WSHFC)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 90% AMI
- Min Credit Score
- 620+
- Property Types
- single-family, townhome, condo, manufactured (permanent foundation)
- Max Price
- $600,000
Quick Facts
- Loan Types
- FHA, VA, USDA, Conventional
- Assistance Type
- second mortgage
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
90% AMI for Clark County (approximately $105,210 for family of four)
Check AMI limits for your county →Interest Rate
2%
Repayment Terms
2% simple interest deferred loan; repayment upon sale, transfer, refinance, or after 30 years
Additional Requirements
Re-launched February 2025; contact WSHFC at dietrich.schmitz@wshfc.org
Notes
First-time buyer required
HomeSight Snohomish County DPA
HomeSight (nonprofit CDFI)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Varies; HomeSight income guidelines appl...
- Min Credit Score
- Not specified
- Property Types
- single-family, townhome, condo, manufactured (permanent foundation)
- Max Price
- $618,000
Quick Facts
- Loan Types
- 30-year conforming fixed rate
- Assistance Type
- second mortgage
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
3% deferred
Repayment Terms
3% simple interest deferred loan for 30 years; due upon sale, transfer, or refinance
Additional Requirements
Can be layered with other HomeSight and WSHFC programs
Notes
First-time buyer required (not owned in past 3 years)
HomeSight King County DPA
HomeSight (nonprofit CDFI)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family, townhome, condo, community land trust, manufactured (permanent fo...
- Max Price
- $632,000
Quick Facts
- Loan Types
- 30-year conforming fixed rate
- Assistance Type
- second mortgage
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
80% AMI (for base $45,000); 60% AMI for supplemental up to $70,000 combined
Check AMI limits for your county →Interest Rate
3% deferred
Repayment Terms
3% simple interest deferred loan for 30 years; due upon sale, transfer, or refinance
Additional Requirements
Can be layered with Sam Smith Fund, BIPOC Fund, WSHFC programs; loan matrix subject to change
Notes
First-time buyer required (not owned in past 3 years)
Bellingham DPA
City of Bellingham
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- 620+
- Property Types
- single-family (detached, attached, manufactured), condo
- Max Price
- Single-unit: $667,850; Condominium: $375,250
Quick Facts
- Loan Types
- FHA, VA, USDA, Conventional
- Assistance Type
- second mortgage
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
80% AMI by household size ($60,700 for 1 person to $114,450 for 8 persons)
Check AMI limits for your county →Interest Rate
3% simple interest
Repayment Terms
Deferred loan; due on sale, refinance, transfer, or at 30 years
Additional Requirements
Minimum buyer contribution of $2,500 or 1% of purchase price (whichever is greater). Requires in-person homebuyer education
Notes
First-time buyer required
ARCH East King County DPA
A Regional Coalition for Housing (ARCH)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- 80% AMI
- Min Credit Score
- 620+
- Property Types
- single-family, townhome, condo, manufactured (permanent foundation), duplex (2-u...
- Max Price
- New construction: $660,000; Existing home: $646,000
Quick Facts
- Loan Types
- FHA, VA, USDA, Conventional
- Assistance Type
- second mortgage
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
80% AMI by household size ($84,850 for 1 person to $157,100 for 8 persons)
Check AMI limits for your county →Interest Rate
4% simple interest
Repayment Terms
0% deferred loan; due on sale, refinance, transfer, or at 30 years
Additional Requirements
Minimum 2% buyer contribution required. Single-unit properties only. Uses HOME funds
Notes
First-time buyer NOT required
Pierce County DPA
Pierce County
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- 620+
- Property Types
- single-family, townhome, condo, manufactured (permanent foundation), duplex (2-u...
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, VA, USDA, Conventional
- Assistance Type
- second mortgage
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
4%
Repayment Terms
4% interest deferred loan; deferred until sale/refinance
Notes
No longer listed on current WSHFC/heretohome.org DPA page. May be discontinued or between funding cycles. Verify current status before referral.
HomeSight Sam Smith Hi Neighbor Homeownership Fund
HomeSight (nonprofit CDFI), supported by Windermere Real Estate and U.S. Bank
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80-120% AMI
- Min Credit Score
- 620+
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- second mortgage
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
80% to 120% AMI (moderate-income Black/African American borrowers)
Check AMI limits for your county →Interest Rate
3% (accrues annually)
Repayment Terms
Deferred loan repayable in 30 years, upon refinance, or upon sale
Additional Requirements
Designed to reduce Black homeownership gap in WA; fund replenished as loans are repaid
Notes
First-time buyer required (not owned in past 3 years)
Community Frameworks HomeStarts DPA (Spokane)
Community Frameworks (nonprofit, HUD-approved NeighborWorks member)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 50-80% AMI
- Min Credit Score
- Not specified
- Property Types
- new construction (Community Frameworks self-help communities)
- Max Price
- Not specified
Quick Facts
- Loan Types
- Community Frameworks partner lender first mortgage
- Assistance Type
- second mortgage
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0% deferred
Repayment Terms
Deferred loan; specific interest rate and repayment terms vary by program year
Additional Requirements
Funded through HUD and other sources; part of SHOP (Self-Help Homeownership Opportunity Program); also includes new construction component
Notes
Self-help/sweat equity program (HUD SHOP-funded). Buyers contribute weekly labor during construction. DPA paired with homes Community Frameworks builds.
WSHFC Opportunity DPA (House Key)
Washington State Housing Finance Commission (WSHFC)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- 620+
- Property Types
- single-family, townhome, condo, manufactured (permanent foundation), duplex (2-u...
- Max Price
- Varies by county ($500,000 - $775,000 depending on county and target area)
Quick Facts
- Loan Types
- FHA, VA, USDA, Conventional
- Assistance Type
- second mortgage
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
1%
Repayment Terms
1% interest deferred loan; repayment deferred for 30 years or until sale/refinance
Additional Requirements
Must pair with House Key Opportunity first mortgage
Notes
First-time buyer required except in targeted areas
WSHFC HomeChoice DPA
Washington State Housing Finance Commission (WSHFC)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- $157,100 (King/Snohomish counties); $122...
- Min Credit Score
- 620+
- Property Types
- single-family, townhome, condo, manufactured (permanent foundation), duplex (2-u...
- Max Price
- Varies by county (follows House Key Opportunity acquisition cost limits)
Quick Facts
- Loan Types
- FHA, VA, USDA, Conventional
- Assistance Type
- second mortgage
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
$157,100 (King/Snohomish counties); $122,100 elsewhere
Check AMI limits for your county →Interest Rate
1%
Repayment Terms
1% interest deferred loan; deferred 30 years or until sale/refinance
Additional Requirements
Buyer or household family member must have a disability as defined by the ADA
Notes
First-time buyer required except in targeted areas
WSHFC Home Advantage Needs-Based DPA
Washington State Housing Finance Commission (WSHFC)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- $146,500 (King/Snohomish counties); lowe...
- Min Credit Score
- 620+
- Property Types
- single-family, townhome, condo, manufactured (permanent foundation), duplex (2-u...
- Max Price
- $250,000
Quick Facts
- Loan Types
- FHA, VA, USDA, Conventional
- Assistance Type
- second mortgage
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
$146,500 (King/Snohomish counties); lower limits elsewhere
Check AMI limits for your county →Interest Rate
1%
Repayment Terms
1% interest deferred loan; repayment deferred until sale/refinance
WSHFC Veterans DPA
Washington State Housing Finance Commission (WSHFC)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- $157,100 (King/Snohomish counties); $122...
- Min Credit Score
- 620+
- Property Types
- single-family, townhome, condo, manufactured (permanent foundation), duplex (2-u...
- Max Price
- Varies by county (follows House Key Opportunity acquisition cost limits)
Quick Facts
- Loan Types
- FHA, VA, USDA, Conventional
- Assistance Type
- second mortgage
- Profession
- veterans
- Homebuyer Ed.
- Yes
Income Limits
$157,100 (King/Snohomish counties); $122,100 elsewhere
Check AMI limits for your county →Interest Rate
3%
Repayment Terms
3% interest deferred loan; deferred 30 years or until sale/refinance
Additional Requirements
Must be honorably discharged veteran, WA Guard/Reserve member, or unremarried spouse/dependent of eligible veteran
Notes
First-time buyer required
Kennewick/Tri-Cities HOME Consortium DPA
City of Kennewick
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low income
- Min Credit Score
- 620+
- Property Types
- single-family, condo, manufactured (permanent foundation on owned land)
- Max Price
- $368,000 (existing); $394,000 (new construction)
Quick Facts
- Loan Types
- 30-year fixed rate conforming
- Assistance Type
- second mortgage
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Forgivable after 6-year affordability period; due on sale, transfer, or failure to maintain primary residence
Additional Requirements
Minimum buyer contribution of $1,000 or 1% of purchase price (whichever is greater). Gift funds not accepted for buyer contribution. Property must be on city water and sewer
Notes
The 2025-2026 guidelines PDF lists max 0,000. News reports cite 0,000 (20% of purchase price). The 0,000 may represent the maximum HOME investment limit, not the DPA-specific cap. Verify with program administrator.
Richland Homeownership Assistance Program
City of Richland (Tri-Cities HOME Consortium)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- 620+
- Property Types
- single-family, condo, manufactured (permanent foundation on owned land)
- Max Price
- $368,000 (existing); $394,000 (new construction)
Quick Facts
- Loan Types
- 30-year fixed rate conforming
- Assistance Type
- second mortgage
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
80% AMI ($59,150 for 1 person to $111,550 for 8 persons, effective April 2025)
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Forgivable after 6-year affordability period; due on sale, transfer, or failure to maintain primary residence
Additional Requirements
Part of Tri-Cities HOME Consortium along with Kennewick and Pasco; contact Development Services for current income limits
Notes
First-time buyer required
HomeSight BIPOC Social Justice Down Payment Assistance
HomeSight (nonprofit CDFI)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Varies; HomeSight income guidelines appl...
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- second mortgage
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
0% interest deferred loan; repaid upon sale or refinance
Additional Requirements
0% interest rate; can be stacked with geographic DPA and Sam Smith Fund
Notes
First-time buyer required
WSHFC Home Advantage DPA
Washington State Housing Finance Commission (WSHFC)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- $215,000 statewide
- Min Credit Score
- 620+
- Property Types
- single-family, townhome, condo, manufactured (permanent foundation), duplex (2-u...
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, VA, USDA, Conventional
- Assistance Type
- second mortgage
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
0% interest deferred loan; repayment deferred for 30 years or until sale/refinance
Notes
First-time and repeat buyers eligible
Bremerton / Kitsap County Homeownership DPA
Community Frameworks (nonprofit, in partnership with City of Bremerton and Kitsap County)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Community Frameworks partner lender first mortgage
- Assistance Type
- second mortgage
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
Low interest, deferred
Repayment Terms
Deferred payment low-interest subordinate loan; specific terms vary by funding source
Additional Requirements
Funded through HUD HOME allocation from City of Bremerton plus Community Frameworks partner DPA; also includes Built in Bremerton acquisition rehab resale initiative; county-wide program available for purchases outside Bremerton city limits
Notes
Mortgage-ready first-time homebuyers; homebuyer education required
How to Apply for Down Payment Assistance in Washington
-
1
Check Your Eligibility
Use our free eligibility tool to see which programs match your situation. Enter your state, city, income, and target home price.
-
2
Contact the Program Administrator
Each program has its own application process. Visit the program website or call the administering agency to get started. Many programs work through approved lenders.
-
3
Get Pre-Approved with a Participating Lender
Not every lender participates in every DPA program. Work with a lender who is approved for the programs you want. The program administrator can provide a list of approved lenders.
-
4
Complete Homebuyer Education (If Required)
Many programs require a HUD-approved homebuyer education course. Online options through eHome America and Framework are accepted by most programs.
-
5
Close & Move In
DPA funds are typically disbursed at closing alongside your first mortgage. Your lender coordinates the DPA program paperwork as part of the loan process.
Frequently Asked Questions
How much down payment assistance can I get in Washington?
Up to $150,000 through available programs in Washington. Multiple programs can often be combined for even more assistance. The exact amount depends on your income, location, and the specific program requirements.
Do I need to be a first-time homebuyer?
Not always. 10 programs in Washington are open to repeat buyers. "First-time buyer" is typically defined as not having owned a home in the past three years.
What credit score do I need?
As low as 620 for some programs. Most programs require 620-660. Higher credit scores may qualify you for more programs and better terms.
Can I combine multiple DPA programs?
In many cases, yes. Some programs are specifically designed to be layered with others. For example, you might combine a state grant with a local deferred loan. Check with each program administrator about stacking eligibility.
DPA Programs in Nearby States
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