House Key Opportunity Loan Program
House Key Opportunity Loan Program is a first mortgage (tax-exempt bond) - tighter income/price limits from Washington State Housing Finance Commission (WSHFC). Available statewide in Washington. For first-time buyers. Income limit: 1-2 person: $96,950 King/Snohomish; $79,450 Clark/Kitsap/Pierce/Skamania; $74,700 Thurston/Whatcom; $67,600 other. 3+ person: $121,150 / $99,300 / $93,350 / $84,500.
Amount varies by program
Listed as open as of May 26, 2026
Available statewide in Washington.
| First-time buyer | Required |
|---|---|
| Income limit | 1-2 person: $96,950 King/Snohomish; $79,450 Clark/Kitsap/Pierce/Skamania; $74,700 Thurston/Whatcom; $67,600 other. 3+ person: $121,150 / $99,300 / $93,350 / $84,500 |
| Minimum credit score | 620 |
| Sales price cap | Varies by county (federal mortgage revenue bond limits) |
| Amount notes | Below-market 30-year fixed rate; combine with Opportunity DPA up to $15,000 |
| Notes | Pairs with Opportunity DPA, HomeChoice, Veterans, Covenant. Stricter income limits than Home Advantage. |
| Phone | 800-767-4663 |
Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.
Provider: Washington State Housing Finance Commission (WSHFC) · program details at the provider’s site.
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