How much down payment assistance can I get in Washington and do I have to pay it back?

Washington WSHFC assistance amounts vary by program. Home Advantage provides up to 4% of the loan amount — on a $400,000 loan that's $16,000. House Key provides variable amounts based on income tier. The assistance is typically structured as a deferred second mortgage — meaning no monthly payment — and becomes due when you sell, refinance, or pay off the first mortgage. Some programs forgive the assistance after a set number of years in the home. It's not free money in the long run, but it's zero-payment money until you exit the home.