Can Washington down payment assistance be combined with FHA, VA, or USDA loans?

Yes. WSHFC down payment assistance stacks with FHA, VA, USDA, and conventional loan programs. The first mortgage must go through a WSHFC-approved lender. The DPA funds are added as a second lien at closing. This combination is particularly powerful for first-time buyers using FHA (3.5% down) or veterans using VA (zero down) — the assistance can cover the remaining down payment and a portion of closing costs. Bank statement, DSCR, and non-QM loans don't pair with WSHFC programs.