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Washington down payment assistance programs

Quick answer

Washington buyers can get down payment help from City of Seattle Office of Housing; delivered through HomeSight, Habitat for Humanity Seattle-King County, Homestead Community Land Trust, Parkview Services. Its Office of Housing Down Payment Assistance offers Up to a maximum of $76,000 per household. Most programs require using the agency's first mortgage, meeting income limits and completing homebuyer education. Details below come from the official agency site.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsPrograms last verified

What down payment assistance does Washington offer?

ProgramAmountTypeMin. creditFirst-time only?
Office of Housing Down Payment AssistanceUp to a maximum of $76,000 per householdDeferred-payment loanNot statedYes

How do I apply for Washington down payment assistance?

  1. Find a participating lender approved by City of Seattle Office of Housing; delivered through HomeSight, Habitat for Humanity Seattle-King County, Homestead Community Land Trust, Parkview Services.
  2. Get pre-approved for the agency's first mortgage and confirm you meet income and price limits.
  3. Complete the required homebuyer education course.
  4. Your lender reserves the assistance when you go under contract.

Cities in Washington

SeattleSpokaneTacomaVancouverBellevueKentEverettSpokane ValleyRentonFederal Way

Other states with verified programs

AlabamaArkansasCaliforniaColoradoConnecticutDelawareDistrict Of ColumbiaFloridaIdahoIllinois

Frequently asked questions

Office of Housing Down Payment Assistance: Up to a maximum of $76,000 per household.

Most verified programs here target first-time buyers or have eligibility exceptions; check each program's official page.

The agency sets credit requirements with its participating lenders; most require at least a 620–640 score.

Sources

Data last updated October 25, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.