WANT TO BUY A HOUSE AND NEED HELP WITH THE DOWN PAYMENT?
GET UP TO $30,000 IN DOWNPAYMENT MONEY. BUY A HOME IN WASHINGTON WITH LITTLE OR NO MONEY DOWN THROUGH FEDERAL, STATE, OR MUNICIPAL DOWN PAYMENT PROGRAMS FOR WASHINGTON HOMES.
Welcome To DownpaymentWA.org
You Can Get A Home
Washington-Northwest home buyers can get down payment assistance to cover down payment and / or closing costs. Let us show you how.
How Much Can You Get?
There are millions of dollars available to cover down payment and closing costs and help home buyers in Washington get approved.
Where’s The Money?
Federal, State, and Local Housing Assistance Programs, Non Profits, Lenders, Community Action Programs, and various other institutions serving Washington home buyers.
Down Payment Frequently Asked Questions
How Many Down Payment Programs Are Available In Washington?
The number of down payment programs can fluctuate because there are federal, state, county, municipal, and private down payment grant programs available. Some down payment programs have budget limits, some have expiration dates. New programs get introduced on a regular basis. We match you with the down payment programs you qualify for and best meet your financial need.
How Do You Qualify For Down Payment Grants?
Each program and participating lender may have different credit score requirements, income levels, etc. It’s best to review all factors in qualifying for down payment money. Give us a call now or complete the secure online form to see how much down payment money you can get.
Can You Qualify For Down Payment Grants With Poor Credit?
Yes, We can work with many buyers who have credit scores as low as 620. There are many programs available to review or help you clean up bumps or bruises on your credit.
What Type of Mortgages Qualify For Down Payment Assistance?
Many types including FHA, VA Loans, USDA, and most Conventional loans. Call now or complete the secure form to see how much down payment assistance you can get.
Washington Top 10 Down Payment Programs
Washington State Housing Finance Commission (WSHFC) Programs: Offers various down payment assistance options, including the Home Advantage program, which provides up to 4% of the loan amount for down payments and closing costs.
Seattle Down Payment Assistance Program: Targeted for first-time homebuyers in Seattle, this program provides up to $45,000 as a deferred loan, which is forgiven after 5 years if the homeowner remains in the property.
King County Down Payment Assistance Program: Provides up to $100,000 in assistance for eligible low- to moderate-income buyers. This is a zero-interest, deferred loan that helps cover down payments and closing costs.
City of Tacoma Down Payment Assistance Program: Offers up to $25,000 in assistance for qualified homebuyers. This program is aimed at increasing homeownership in Tacoma’s low-income communities.
HomeChoice Program: Designed for individuals with disabilities and their families, this program offers down payment assistance of up to $15,000, along with other homebuyer resources.
FHA Loans with Down Payment Assistance: Many lenders in Washington offer FHA loans that can be paired with state or local down payment assistance programs, allowing for lower down payment requirements.
Community Development Block Grant (CDBG) Programs: Administered at the local level, these funds can provide down payment assistance to eligible low-income families in various Washington cities.
USDA Rural Development: Offers programs for eligible rural homebuyers, including no down payment options and assistance for closing costs.
Employer-Assisted Housing Programs: Some local employers partner with housing agencies to offer down payment assistance as part of employee benefits, often targeted at first-time buyers.
HomeReady and Home Possible Programs: These are Fannie Mae and Freddie Mac’s programs that offer low down payment options and can be combined with state assistance programs for qualified buyers.
