House KeyOpportunity Downpayment Assistance Loan Program

Opportunity is a downpayment assistance, second mortgage loan program with a 1.00% interest rate, payment deferred for 30 years, up to $10,000 and combines with the Opportunity first mortgage loan program.

Borrowers must be first-time homebuyers or buying in a targeted area.  Borrowers must qualify for the Opportunity first mortgage loan program.

MAXIMUM INCOME LIMIT as of 04/28/2017

COUNTY 1-2 persons 3+ Persons
King/Snohomish $57,600 $72,000
Kitsap $49,400 $61,700
Clark/Island/Pierce/Skamania/Thurston $48,850 $61,050
All other counties $42,050 $52,250

Borrowers must attend a Commission-sponsored homebuyer seminar prior to reserving funds. Cash back to borrowers is not allowed.


Eligible households may qualify for a maximum loan amount of up to $10,000 based on need. There is no assessment of need for Veterans to be eligible. A participating loan officer can help you determine the sales price you can afford, how much cash you will need to close, and how much you can borrow.


See Premier Participating Lenders who have been helpful to homebuyers.

Further restrictions apply.


If you have questions about the Opportunity Downpayment Assistance Loan Program, please contact Dietrich Schmitz at 206-287-4459 or toll free at 800-767-4663, Ext. 459, or by e-mail


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