Downpayment Assistance – Here to Home | Washington grant

Downpayment Assistance – Here to Home

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Washington State Housing Finance CommissionWAFirst-Time Homeowner

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.Washington 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.RollingDeadline: Scope: Statewidestate

Updated: Dec 6, 2025

Summary

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

Benefits

down payment assistanceclosing cost assistance0% interestdeferred loansecond mortgagestate HFA loanhomebuyer education required

Who Can Apply

homebuyerfirst-time homebuyerrepeat homebuyerlow-income homebuyerWashington resident

Eligible Locations

Homebuyers using a Washington State Housing Finance Commission first mortgage such as Home Advantage or House Key who meet program income limits, minimum credit score and debt to income guidelines, complete a Commission sponsored homebuyer education seminar, and purchase an owner-occupied primary residence in Washington.

Eligibility

Homebuyers using a WSHFC first mortgage (Home Advantage or House Key) who meet program income limits (up to roughly state-set caps), minimum credit score requirements (often ≥620), standard debt-to-income guidelines, and purchase an owner-occupied primary residence in Washington; completion of a Commission-sponsored homebuyer education seminar is required.

Full Description

Here to Home’s Downpayment Assistance page explains that every WSHFC home loan comes with an associated downpayment assistance option. When a buyer uses a Home Advantage or House Key loan, they can typically access a 0% interest, deferred second mortgage equal to about 3–5% of the first-mortgage amount, which can be used toward down payment and closing costs. Borrowers first attend a free Commission-sponsored homebuyer education class and then work with a Commission-trained lender to determine which mortgage and DPA option fits their income, credit profile, and target home price. Because payments on the assistance are deferred for up to 30 years, homeowners avoid extra monthly payments while still meeting minimum down payment requirements, making this one of Washington’s core tools for lowering upfront costs for low- and moderate-income buyers.

Verification & Details

Status: Open

Source: heretohome.org

Official source → heretohome.org

Apply on official siteUpdated Dec 6, 2025

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More statewide programs

Explore additional grants available throughout Washington that complement this opportunity.

Homeownership Down-Payment Assistance Program – City of Tacoma

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City of Tacoma – Community & Economic Development, Housing DivisionWAFirst-Time HomeownerCity of Tacoma administered zero percent interest deferred second mortgage funded through Washington State Department of Commerce Housing Trust Fund and local resources, providing substantial down payment and closing cost assistance to eligible first-time buyers.

Updated: Dec 6, 2025

City of Tacoma’s downpayment assistance loan program offering up to $80,000 in zero-interest, deferred financing to help first-time buyers purchase homes in Tacoma.

Eligible for: First-time homebuyers purchasing within eligible Tacoma city limits who have household income at or below 80% of area median income, contrib…

Funding: Provides up to 80,000 dollars in down payment and closing cost assistance as a zero percent simple interest deferred payment second mortgage with no monthly payments, repaid when the home is sold, refinanced, transferred, or is no longer the buyer's primary residence.RollingLocalhomebuyerfirst-time homebuyerlow-income homebuyerTacoma residentdown payment assistanceclosing cost assistance0% interestdeferred loansecond mortgagecity programHousing Trust Fund

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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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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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Buy a Home – Seattle Homeownership & Downpayment Assistance

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City of Seattle Office of HousingWAFirst-Time HomeownerCity of Seattle Office of Housing downpayment assistance delivered as subordinated low interest deferred second mortgages funded primarily by the Seattle Housing Levy and local sources, administered through nonprofit partners and paired with Washington State Housing Finance Commission first mortgages.

Updated: Dec 6, 2025

City of Seattle downpayment assistance delivered through nonprofit partners and WSHFC loans to help low-income first-time buyers purchase homes in Seattle.

Eligible for: First-time, income-eligible homebuyers (generally at or below 80% AMI) purchasing a primary residence within Seattle city limits; buyers wor…

Funding: Offers downpayment assistance loans that can reach roughly 55,000 dollars for open market homes, about 70,000 dollars for smaller resale restricted homes, and up to around 90,000 dollars for larger resale restricted homes with three or more bedrooms, structured as low interest deferred second mortgages repaid according to program affordability and resale terms.RollingLocalhomebuyerfirst-time homebuyerlow-income homebuyerSeattle residentdown payment assistanceclosing cost assistancelow-interest loandeferred loansecond mortgagecity programresale-restricted housingHousing Levy funded

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