Down Payment Assistance in Washington

Washington has several programs that can help cover your down payment and closing costs. Here's what's available.

You might qualify for thousands in assistance you didn't know existed. Washington State offers some of the best programs in the country.

Washington State Housing Finance Commission (WSHFC)

The WSHFC offers multiple programs for first-time and repeat buyers:

• Home Advantage Program — Up to 4% of loan amount for down payment, available as a second mortgage with 0% interest. No first-time buyer requirement.
• House Key Opportunity — For first-time buyers and veterans. Competitive rates with down payment assistance up to 4%.
• HomeChoice — For buyers with disabilities or who have a household member with a disability. Up to $15,000 in assistance.

City & County Programs

Many Washington cities and counties offer their own down payment assistance. These stack on top of state programs:

• Seattle — Office of Housing offers deferred loans for income-qualified buyers
• Tacoma — Down payment assistance through the Tacoma Community Redevelopment Authority
• Clark County, Pierce County, King County — Various income-based programs

Who Qualifies?

• Income limits vary by county and household size (typically up to 80–120% of area median income)
• Minimum credit score of 620 for most programs
• Must complete a homebuyer education course (free online options available)
• Property must be in Washington State and used as your primary residence

These programs change regularly. I stay current on every option available so you don't miss out. Let me check what you qualify for — it takes about 15 minutes.

Common Questions

Do I have to be a first-time homebuyer to get down payment assistance?

Not always. Washington's Home Advantage Program is available to repeat buyers too. Some programs do require first-time buyer status, which the federal definition says is anyone who hasn't owned a home in the past 3 years.

Can I combine multiple assistance programs?

Yes — many city and county programs can be stacked on top of state programs. For example, you could use the WSHFC Home Advantage Program plus a Seattle Office of Housing deferred loan for additional help.

What are the income limits for Washington down payment assistance?

Limits vary by county and household size, typically 80–120% of the area median income. In King County, that can be over $100,000 for a family. I can check your specific eligibility in about 15 minutes.

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