Down payment assistance in King County, Washington

1 county-wide program and 1 program limited to specific cities listed for King County, plus 27 statewide Washington programs that also apply here. Every amount and rule below comes from the provider's published terms.

King County programs

• Seattle Office of Housing Down Payment Assistance
  Down payment assistance - deferred loan · Up to $90,000 · Seattle Office of Housing
  City of Seattle program, city limits only
• King County Housing Finance Program DPA
  Down payment assistance · Amount varies by program · King County Department of Community and Human Services

Washington statewide programs (apply here too)

• 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)

National programs

38 federal and national programs apply in every county. See the national programs. See all of Washington's programs.