Down payment assistance in Spokane County, Washington

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

Spokane County programs

• Spokane HomeStarts DPA Program (Community Frameworks)
  Down payment assistance · Amount varies by program · Community Frameworks

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.