Financial Assistance Programs In Washington

There are many programs in Washington State to help you finance a home and arrange a payment you can afford. Keep in mind that many of these programs may not always have funds available and these programs are subject to discontinuation or changes at any time. Please contact the individual programs for more information.

Statewide Programs

USDA Guaranteed Rural Housing Program
  • Details: Home purchases in eligible rural or small towns and non-metropolitan areas of counties; Loan amount can include closing costs and repairs; Resale or new construction; Negotiated market rates. Available statewide in eligible rural areas only.
House Key Plus
  • Details: A down payment assistance second mortgage loan program for first time buyers in targeted areas. Must be combined with WSHFC primary mortgage. Mandatory Home Buyer Education requirement. This is a WSHFC sponsored program.
House Key Schools
  • Details: A down payment assistance second mortgage loan program for teachers and employees of community or technical colleges and K-12 public or private schools accredited or recognized by the state of Washington. Available Statewide. Mandatory Home Buyer Education requirement. This is a WSHFC sponsored program.
House Key Veterans
  • Details:  A down payment assistance second mortgage loan program for first time buyers or buying in targeted areas who are veterans receiving an honorable discharge or medically discharged with an honorable record; members and honorably discharged former members of the Washington National Guard and Reserve; and never remarried spouses and dependent children of deceased veterans. Available Statewide. Mandatory Home Buyer Education requirement. This is a WSHFC sponsored program.
Home Choice
  • Details: A down payment assistance second mortgage loan program for first time buyers or buying in targeted areas and with a disability or who have a family member with a disability living with them. Available Statewide. Mandatory Home Buyer Education requirement. This is a WSHFC sponsored program.

Seattle/King County Programs

House Key Plus ARCH East King County
  • Details: Down payment assistance second mortgage for first time buyers buying in unincorporated East King County or within participating cities in East King County. Available in unincorporated East King County or: Beaux Arts Village, Bellevue, Bothell, Clyde Hill, Hunts Point, Issaquah, Kenmore, Kirkland, Medina, Mercer Island, Newcastle, Redmond, Sammamish, Woodinville, Yarrow Point. Mandatory Home Buyer Education requirement. This is a WSHFC sponsored program.
Seattle Homesight Purchase Assistance
  • Details: Help with First Time Buyer loan options. Mandatory Homesight Buyer Education and housing counseling. A Homesight of WA sponsored program.
Homestead Community Landtrust
  • Details:  Land Trust ownership means that you are able to purchase a home at a lower price because the land remains part of the land trust. In exchange, you agree when you choose to move to sell your home at an affordable price, allowing another individual or family to achieve their dream of homeownership, as well. For middle class individuals and families in the Seattle area, Homestead offers high quality homes at below-market prices.
Parkview Services
  • Details: Parkview’s Homeownership Program Offers home buying assistance in King County to individuals with developmental disabilities and family members who will live with them.

Tacoma/Pierce County Programs

City of Tacoma Down Payment Assistance Program
  • Details: Assist eligible first-time homebuyers with the FHA required down payment to purchase a home in any of the eligible areas of Tacoma (some areas excluded).
City of Lakewood Down Payment Assistance Program
  • Details: The City of Lakewood offers a Down Payment Assistance (DPA) program that assists qualified homebuyers with down payment and closing costs to purchase a home within the Lakewood city limits.

Tri-Cities Programs

City of Kennewick
  • Details: The City offers Down Payment Assistance for qualified first-time homebuyers. Look under Services for “Housing”.
City of Richland Homebuyer Asst Program
  • Details: Provides homeownership opportunities for low- to moderate-income, first-time homebuyers.
City of Pasco Community Housing Improvement Program
  • Details: CHIP encourages revitalization and home ownership in older neighborhoods of Pasco through rehabilitation of existing homes and down payment assistance for first time home buyers.
Consumer Credit Counseling Services of Tri-Cities
  • Details: CCCS offers to future homeowners an opportunity to educate themselves in the home buying process.

Other Western WA Programs

Snohomish Homesight Purchase Assistance
  • Details: Help with First Time Buyer loan options. Must purchase within Snohomish County. Mandatory Homesight Buyer Education and housing counseling. A Homesight of WA sponsored program.
House Key Plus Bremerton
  • Details: When funding is available. Down payment assistance second mortgage for first time buyers buying within the Bremerton city limits. Mandatory Home Buyer Education requirement.
Kitsap County Consolidated Housing Authority
  • Details: Kitsap County Consolidated Housing Authority currently has Community Development Block Grant (CDBG) and Housing Opportunities Made Equal (HOME) funds to be used for assisting First Time Home Buyers in the purchase of a home for property located within Kitsap County, EXCLUDING the City of Bremerton.
Columbia Non-Profit Housing
  • Details: The First Home Loan Program – If you meet income qualifications, they can provide a “silent second” mortgage loan off the purchase price of your home with payment deferred on the loan for up to 30 years. This will allow you to borrow less from your first mortgage lender and help keep your payments low and affordable.  Available in Clark County.
Neighborworks of Grays Harbor County
  • Details: Loans to help with down payment and/or closing costs on single-family, owner-occupied homes. Loan can also be used for “necessary rehab” work. Available within Grays Harbor County. Homebuyer education class required.
OPAL Community Land Trust
  • Details: Founded in 1989, OPAL (Of People And Land) CLT was one of the first community land trusts in the West, and remains at the forefront of perpetually affordable housing. OPAL is a registered 501(c)(3) nonprofit corporation. OPAL builds some of the only affordable houses on Orcas Island.
Kulshane Community Land Trust
  • Details: KulshanCLT’s HomeBuyer Driven Program (HBDP) can help households of modest means purchase existing homes by using the community land trust approach.  Available in Whatcom, Skagit, and Island Counties.
American Financial Solutions
  • Details: Educates and helps with preparing to find a home loan and offers information on down payment assistance programs in your state or local community and more. AFS is a HUD-approved housing counseling agency.

Other Eastern WA Programs

Spokane Neighborhood Action Programs (SNAP)
  • Details: When funds are available loans can be made to assist eligible households with home purchases. An acceptable credit history is required. Other restrictions may apply.
The ARC of Spokane
  • Details: The Arc’s Homeownership Opportunities program helps people with developmental disabilities and their families overcome the challenges of buying a home by providing assistance and counseling.
Valley Residential Services
  • Details: VRS is a non-profit agency that provides residential support including WSHFC HomeChoice counseling, to persons with developmental disabilities or mental illness, who need housing and living support to live in their own homes. Available in Yakima.
Okanogan County Community Action Council
  • Details: Homebuyer education and courses for Okanogan County.
Whitman Community Action Center
  • Details: The goal of the homebuyer assistance program is to increase homeownership among Whitman County residents with low to moderate incomes.
Rural Resources Community Action
  • Details: Resources and tips for buying and maintaining your very first home. Ferry, Pend Oreille, Stevens Counties.

Programs for Veterans

Veterans Benefit Information Flyer (PDF download)

WSHFC House Key Veterans Program
  • Details: House Key Veterans is a down payment assistance, second mortgage loan program for veterans who have served our country. This is a WSHFC sponsored program.
Homeless Veterans Reintegration Project
HVRP is a proven, successful program that gets homeless veterans off the street and back to being productive members of society. WDVA provides HVRP-Urban services to Veterans in the Puget Sound Region of King, Pierce, Thurston, and Kitsap Counties. HVRP-Rural services are provided to ten counties in Eastern Washington.
United States Department of Veteran Affairs
  • Loan Guaranty Service
    Details: The VA Loan Guaranty Service organization within the Veterans Benefits Administration is charged with the responsibility of administering the home loan program.