Downpayment Assistance
Need help with a downpayment?

For many people, the cash downpayment required to buy a home is a significant hurdle. We lower this barrier by offering downpayment assistance loans for homebuyers who use our mortgage programs (Home Advantage and House Key). As always, we encourage you to take a homebuyer education class and to connect with one of our trained lenders who knows our programs.

Disclaimer: The Commission does not endorse a person, business practice, product or service other than those of the Commission.

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Downpayment Assistance FAQ

How can I get this assistance?
Our downpayment assistance is only for homebuyers who use our home loan programs, either Home Advantage or Opportunity. If your household income is under the program limits (up to $180,000), your credit score is at least 620, and you’re otherwise qualified for a home loan, you are probably eligible.

How much assistance can I get?
It varies by program (see the list above), but $10,000 is the average amount for a typical homebuyer.

So it’s a loan that I pay back?
Yes. The interest rate is very low, from 0% to 4% depending on the program. It is wrapped into your main home mortgage, so you don’t have two bills to pay. Also, most of our downpayment loans are payment deferred—meaning no payment is due until the mortgage is paid off or until you sell, transfer, move out of or refinance the property.

You have a lot of downpayment programs. How do I know which one is right for me?
Ask your lender—or, fill in this quick form with information about your location, household size and income. One of our Homeownership staff will reply with recommendations just for you.

Programs Available Statewide   Programs for Specific Areas

Home Advantage DPA
Up to 3% or 4% of the first mortgage total or gross loan amount for borrowers using our Home Advantage Gov’t or Conventional loan programs or up to 5% using Home Advantage conventional or FHA.

Home Advantage DPA Needs Based Option
Up to $10,000, for borrowers using our Home Advantage loan and under certain income limits.

Opportunity DPA
Up to $15,000, for borrowers using our House Key Opportunity loan.

Up to $10,000 for military veterans who have served our country.

Up to $15,000 for buyers with a disability or disabled family member living with them.


Clark County
Up to $60,000 for buyers within Clark County, Washington.

ARCH East King County
Up to $30,000 for buyers within an ARCH member city or area (east King County).

Up to $40,000 for people buying within the city limits of Bellingham.


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