Washington State Housing Finance Commission

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Latest opportunities (3)

Homebuyer Programs – Home Advantage, House Key & Downpayment Assistance

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Washington State Housing Finance CommissionWAFirst-Time HomeownerWashington State Housing Finance Commission first mortgage platform that offers 30 year fixed rate Home Advantage, House Key Opportunity and related loans which can be paired with zero or low interest deferred downpayment assistance second mortgages for eligible buyers.

Updated: Dec 6, 2025

Central hub for WSHFC’s Home Advantage and House Key mortgages plus linked downpayment assistance loans for Washington first-time and repeat buyers.

Eligible for: Washington homebuyers who meet program income and purchase-price limits, minimum credit-score and debt-to-income ratios, and who complete a …

Funding: Linked downpayment assistance programs typically provide about 3 to 5 percent of the first mortgage amount or fixed second loan amounts depending on the specific product, structured as low or zero interest deferred payment loans that can be used toward down payment and closing costs when paired with a Commission first mortgage.Deadline: Rolling; programs operate year-round, subject to funding and rate-sheet updates.RollingStatewidehomebuyerfirst-time homebuyerrepeat homebuyerlow-income homebuyerWashington residentdown payment assistanceclosing cost assistanceaffordable mortgagefixed-rate mortgagestate HFA loanhomebuyer education required

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Downpayment Assistance – Here to Home

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Washington State Housing Finance CommissionWAFirst-Time HomeownerWashington State Housing Finance Commission downpayment assistance second mortgage that attaches to Home Advantage or House Key first mortgages and provides a zero percent interest deferred loan equal to a percentage of the first mortgage amount.

Updated: Dec 6, 2025

Statewide WSHFC downpayment assistance that attaches to Commission first mortgages to cover a significant portion of the required down payment and closing costs.

Eligible for: Homebuyers using a WSHFC first mortgage (Home Advantage or House Key) who meet program income limits (up to roughly state-set caps), minimum…

Funding: Typically offers about 3 to 5 percent of the first mortgage loan amount as a zero percent interest deferred second mortgage that can be used toward down payment and closing costs, with repayment due when the home is sold, refinanced, transferred, or the first mortgage is otherwise paid off.Deadline: Rolling; available statewide while WSHFC home loan programs remain funded.RollingStatewidehomebuyerfirst-time homebuyerrepeat homebuyerlow-income homebuyerWashington residentdown payment assistanceclosing cost assistance0% interestdeferred loansecond mortgagestate HFA loanhomebuyer education required

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Homebuyer Downpayment Assistance Program – Clark County

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Clark County Treasurer’s Office in partnership with Washington State Housing Finance CommissionWAFirst-Time HomeownerClark County American Rescue Plan funded and Washington State Housing Finance Commission partnered downpayment assistance program that provides up to 60,000 dollars as a simple interest deferred second mortgage layered on a WSHFC first mortgage.

Updated: Dec 6, 2025

County-level DPA program in partnership with WSHFC providing up to $60,000 in low-interest, deferred assistance for income-eligible first-time buyers in Clark County.

Eligible for: First-time homebuyers (no home owned in past three years) purchasing a primary residence in Clark County with a purchase price ≤$600,000, ap…

Funding: Provides up to 60,000 dollars in total downpayment and closing cost assistance, typically structured as 45,000 dollars from Clark County and 15,000 dollars from the Washington State Housing Finance Commission in a 2 percent simple interest deferred second mortgage repaid when the primary mortgage is paid off or the home is sold, refinanced, transferred, or no longer owner-occupied.RollingLocalhomebuyerfirst-time homebuyerlow-income homebuyerClark County residentdown payment assistanceclosing cost assistance2% interestdeferred loansecond mortgagecounty programARPA funded

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