Down payment assistance in Washington

75 programs are listed for Washington: grants, forgivable loans, deferred seconds, first mortgage products and tax credits from state, county, city, tribal, nonprofit and regional providers. Every amount and rule below comes from the provider’s published terms.

Browse by county

• King County
  2 local programs
• Kitsap County
  2 local programs
• Pierce County
  1 local program
• Snohomish County
  1 local program
• Spokane County
  1 local program
• Thurston County
  1 local program
• Whatcom County
  1 local program

Statewide programs

• WSHFC Home Advantage
  Silent 2nd 0% int, 30-yr deferred · Amount varies by program · Washington State Housing Finance Commission
• WSHFC House Key Opportunity
  Silent 2nd 0% deferred 30-yr · Amount varies by program · WSHFC
• WSHFC HomeChoice
  1% int 30-yr deferred · Up to $15,000 · WSHFC
• WSHFC Pierce/Tacoma
  0% int 25-yr deferred · Up to $60,000 · WSHFC + Tacoma/Pierce
• WSHFC Veterans DPA
  3% int 30-yr deferred 2nd · Up to $10,000 · WSHFC
• WSHFC Energy Spark
  0.25% rate discount on first · Amount varies by program · WSHFC
• Home Advantage Loan Program
  First mortgage with optional DPA · Amount varies by program · Washington State Housing Finance Commission (WSHFC)
• Home Advantage Down Payment Assistance (DPA)
  Down payment assistance - deferred second mortgage · Amount varies by program · Washington State Housing Finance Commission (WSHFC)
• Home Advantage Needs-Based DPA
  Down payment assistance - deferred second mortgage · Amount varies by program · Washington State Housing Finance Commission (WSHFC)
• House Key Opportunity Loan Program
  First mortgage (tax-exempt bond) - tighter income/price limits · Amount varies by program · Washington State Housing Finance Commission (WSHFC)
• Opportunity Down Payment Assistance
  Down payment assistance - deferred second mortgage · Amount varies by program · Washington State Housing Finance Commission (WSHFC)
• HomeChoice Down Payment Assistance Program
  Down payment assistance - disability · Amount varies by program · Washington State Housing Finance Commission (WSHFC)
• Covenant Homeownership Program (CHOP)
  Down payment assistance - race-conscious (created by Covenant Homeownership Act 2023) · Amount varies by program · Washington State Housing Finance Commission (WSHFC)
• EnergySpark Home Loan Program
  First mortgage interest-rate reduction for energy-efficient homes · Amount varies by program · Washington State Housing Finance Commission (WSHFC)
• Mortgage Credit Certificate (MCC) Program
  Federal income-tax credit for mortgage interest · Amount varies by program · Washington State Housing Finance Commission (WSHFC)
• Washington Department of Veterans Affairs Veterans Benefits
  Veteran benefits navigation + property tax relief · Amount varies by program · Washington Department of Veterans Affairs (WDVA)
• VA Home Loan Guaranty
  First mortgage guaranty - zero down payment · Amount varies by program · U.S. Department of Veterans Affairs
• FHA Loan Program
  First mortgage with low down payment · Amount varies by program · U.S. Department of Housing and Urban Development (HUD)
• American Financial Solutions
  HUD-approved housing counseling · Amount varies by program · American Financial Solutions (NFCC member)
• Beacon Development Group
  Affordable housing developer (not direct DPA) · Amount varies by program · Beacon Development Group (subsidiary of HumanGood)
• Washington Homeownership Hotline / Homeownership Resource Center
  Statewide hotline and directory referral · Amount varies by program · Washington Homeownership Resource Center
• Washington State Department of Commerce - Homeownership Capital Programs
  Capital funding to nonprofits for affordable homeownership development · Amount varies by program · Washington State Department of Commerce
• Home Advantage Down Payment Assistance
  deferred_loan · Up to 5% · Washington State Housing Finance Commission (WSHFC)
• Opportunity Downpayment Assistance
  deferred_loan · Up to $15,000 · Washington State Housing Finance Commission (WSHFC)
• HomeChoice Down Payment Assistance (Disability)
  deferred_loan · Up to $15,000 · Washington State Housing Finance Commission (WSHFC)
• Veterans Downpayment Assistance Loan Program
  deferred_loan · Up to $10,000 · Washington State Housing Finance Commission (WSHFC)
• FHLB Des Moines Home$tart Grant
  grant · Up to $15,000 · Federal Home Loan Bank of Des Moines (via member institutions)

County and city programs

• WSHFC Bellingham DPA
  Silent 2nd · Up to $40,000 · WSHFC + City of Bellingham
• Bellingham Downpayment Assistance Program
  Down payment assistance - deferred second mortgage · Up to $40,000 · WSHFC / City of Bellingham / Kulshan CLT
• Pierce County Down Payment Assistance Program
  Down payment assistance · Amount varies by program · WSHFC / Pierce County
• WSHFC Tacoma DPA
  Down payment assistance - deferred second mortgage · Amount varies by program · Washington State Housing Finance Commission (WSHFC)
• Seattle Office of Housing Down Payment Assistance
  Down payment assistance - deferred loan · Up to $90,000 · Seattle Office of Housing
• WSHFC Seattle Down Payment Assistance
  Down payment assistance · Amount varies by program · Washington State Housing Finance Commission (WSHFC)
• ARCH East King County Down Payment Assistance Loan
  Down payment assistance · Amount varies by program · ARCH (A Regional Coalition for Housing) / WSHFC
• ARCH Affordable Homeownership Program (resale-restricted)
  Below-market-rate (BMR) homeownership program · Amount varies by program · ARCH (A Regional Coalition for Housing)
• King County Housing Finance Program DPA
  Down payment assistance · Amount varies by program · King County Department of Community and Human Services
• Snohomish County HOME / Down Payment Assistance
  Down payment assistance - deferred second mortgage · Amount varies by program · Snohomish County Office of Housing & Community Development
• Bremerton Homeownership Down Payment Assistance Program
  Down payment assistance · Amount varies by program · City of Bremerton / Community Frameworks
• Kitsap County Down Payment Assistance (Community Frameworks)
  Down payment assistance · Amount varies by program · Community Frameworks
• Spokane HomeStarts DPA Program (Community Frameworks)
  Down payment assistance · Amount varies by program · Community Frameworks
• SNAP Down Payment Assistance Loan Program
  Down payment assistance + counseling · Amount varies by program · Spokane Neighborhood Action Partners (SNAP)
• Homestead Community Land Trust
  Permanently affordable homeownership (community land trust) · Amount varies by program · Homestead Community Land Trust
• HomeSight Purchase Assistance
  Down payment assistance loan · Amount varies by program · HomeSight
• Parkview Services Homeownership Program
  Down payment assistance + counseling - disability focus · Amount varies by program · Parkview Services
• Kulshan Community Land Trust
  Permanently affordable CLT homeownership + DPA counseling · Amount varies by program · Kulshan Community Land Trust
• OPAL Community Land Trust
  Permanently affordable CLT homeownership · Amount varies by program · OPAL Community Land Trust
• Habitat for Humanity Seattle-King & Kittitas Counties
  Affordable homeownership (sweat-equity model) · Amount varies by program · Habitat for Humanity Seattle-King & Kittitas Counties
• Tacoma/Pierce County Habitat for Humanity
  Affordable homeownership · Amount varies by program · Tacoma/Pierce County Habitat for Humanity
• Habitat for Humanity Spokane
  Affordable homeownership · Amount varies by program · Habitat for Humanity-Spokane
• Habitat for Humanity of Snohomish County
  Affordable homeownership · Amount varies by program · Habitat for Humanity of Snohomish County
• Yakima Valley Partners Habitat for Humanity
  Affordable homeownership · Amount varies by program · Yakima Valley Partners Habitat for Humanity
• Evergreen Habitat for Humanity (Clark County / Vancouver)
  Affordable homeownership · Amount varies by program · Evergreen Habitat for Humanity
• Homeownership Center Northwest (HCNW)
  Homebuyer counseling + affordable homeownership · Amount varies by program · Homeownership Center Northwest
• VA Native American Direct Loan (NADL)
  Direct mortgage on tribal trust land · Amount varies by program · U.S. Department of Veterans Affairs
• USDA Single Family Housing Guaranteed Loan
  First mortgage - zero down payment · Amount varies by program · USDA Rural Development
• USDA Single Family Housing Direct Loan (Section 502)
  First mortgage - direct from USDA with payment subsidy · Amount varies by program · USDA Rural Development
• HUD Good Neighbor Next Door (GNND)
  Discount on HUD-owned homes · Amount varies by program · U.S. Department of Housing and Urban Development (HUD)
• HUD Section 184 Indian Home Loan Guarantee
  First mortgage guaranty for Native American borrowers · Amount varies by program · HUD Office of Native American Programs
• Lummi Nation Housing Authority Home Ownership Program
  Tribal homeownership opportunities + DPA · Amount varies by program · Lummi Nation Housing Authority
• Yakama Nation Housing Authority
  Tribal homeownership + rental · Amount varies by program · Yakama Nation Housing Authority
• Confederated Tribes of the Colville Reservation - Indian Housing Authority
  Tribal housing / homeownership · Amount varies by program · Colville Indian Housing Authority
• Spokane Tribe of Indians Housing Program
  Tribal homeownership + Native American Direct Loan MOU partner with VA · Amount varies by program · Spokane Tribe of Indians
• BIA Housing Improvement Program (HIP)
  Housing grant for low-income tribal members · Amount varies by program · Bureau of Indian Affairs
• Thurston County Housing & Community Development Programs
  Affordable housing partner / HOME funding channeled to nonprofits · Amount varies by program · Thurston County Public Health & Social Services
• Olympia Federal Savings Affordable Homebuyer Program
  Bank-portfolio first-mortgage program · Amount varies by program · Olympia Federal Savings
• Rural Resources Community Action Homebuyer Counseling
  HUD-approved pre-purchase counseling + DPA referral · Amount varies by program · Rural Resources Community Action
• Valley Residential Services Homebuyer Counseling
  HUD-approved counseling + DPA referral · Amount varies by program · Valley Residential Services
• Community Housing Resource Center
  HUD-approved counseling + homebuyer education · Amount varies by program · Community Housing Resource Center
• Urban League of Metropolitan Seattle - Homeownership Program
  HUD-approved counseling + DPA navigation · Amount varies by program · Urban League of Metropolitan Seattle
• City of Tacoma Homeownership DPA
  deferred_loan · Up to $80,000 · City of Tacoma Housing Division / Tacoma Community Redevelopment Authority
• Pierce County Downpayment Assistance
  deferred_loan · Up to $24,900 · Pierce County / WSHFC
• ARCH East King County DPA Loan
  deferred_loan · Up to $30,000 · A Regional Coalition for Housing (ARCH) / WSHFC
• Snohomish County Downpayment Assistance
  deferred_loan · Up to $50,000 · Snohomish County / WSHFC
• KCHA First-Time Homebuyer DPA
  forgivable_loan · Up to $15,000 · King County Housing Authority
• Spokane HomeStarts Down Payment Assistance
  deferred_loan · Up to $20,000 · Spokane HomeStarts / SNAP

National programs

38 federal and national programs apply in every state. See the national programs.