Financial Assistance Programs in Washington
USDA Guaranteed Rural Housing Program: https://www.rd.usda.gov/wa Home purchases in eligible rural or small towns and non-metropolitan areas of counties; Loan amount can include closing costs and repairs; Resale or new construction; Negotiated market rates. Available statewide in eligible rural areas only.
House Key Opportunity Program: http://www.wshfc.org/buyers/keyopportunity.htm Opportunity is a downpayment assistance, second mortgage loan program with a 1.00% interest rate, payment deferred for 30 years, up to $15,000 and combines with the Opportunity first mortgage loan program.
House Key Veterans: http://www.wshfc.org/buyers/keyveterans.htm A down payment assistance second mortgage loan program for first time buyers or buying in targeted areas who are veterans receiving an honorable discharge or medically discharged with an honorable record; members and honorably discharged former members of the Washington National Guard and Reserve; and never remarried spouses and dependent children of deceased veterans. Available Statewide. Mandatory Home Buyer Education requirement. This is a WSHFC sponsored program.
Home Choice: http://www.wshfc.org/buyers/homechoice.htm A down payment assistance second mortgage loan program for first time buyers or buying in targeted areas and with a disability or who have a family member with a disability living with them. Available Statewide. Mandatory Home Buyer Education requirement. This is a WSHFC sponsored program.
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House Key Opportunity Program: http://www.wshfc.org/buyers/keyopportunity.htm Opportunity is a downpayment assistance, second mortgage loan program with a 1.00% interest rate, payment deferred for 30 years, up to $15,000 and combines with the Opportunity first mortgage loan program.
House Key Veterans: http://www.wshfc.org/buyers/keyveterans.htm A down payment assistance second mortgage loan program for first time buyers or buying in targeted areas who are veterans receiving an honorable discharge or medically discharged with an honorable record; members and honorably discharged former members of the Washington National Guard and Reserve; and never remarried spouses and dependent children of deceased veterans. Available Statewide. Mandatory Home Buyer Education requirement. This is a WSHFC sponsored program.
Home Choice: http://www.wshfc.org/buyers/homechoice.htm A down payment assistance second mortgage loan program for first time buyers or buying in targeted areas and with a disability or who have a family member with a disability living with them. Available Statewide. Mandatory Home Buyer Education requirement. This is a WSHFC sponsored program.
House Key Plus ARCH East King County: http://www.wshfc.org/buyers/arch.htm Down payment assistance second mortgage for first time buyers buying in unincorporated East King County or within participating cities in East King County. Available in unincorporated East King County or: Beaux Arts Village, Bellevue, Bothell, Clyde Hill, Hunts Point, Issaquah, Kenmore, Kirkland, Medina, Mercer Island, Newcastle, Redmond, Sammamish, Woodinville, Yarrow Point. Mandatory Home Buyer Education requirement. This is a WSHFC sponsored program.
Seattle Homesight Purchase Assistance: https://www.homesightwa.org/purchase-assistance/ Help with First Time Buyer loan options. Mandatory Homesight Buyer Education and housing counseling. A Homesight of WA sponsored program.
Homestead Community Landtrust: https://www.homesteadclt.org/become-a-homeowner Land Trust ownership means that you are able to purchase a home at a lower price because the land remains part of the land trust. In exchange, you agree when you choose to move to sell your home at an affordable price, allowing another individual or family to achieve their dream of homeownership, as well. For middle class individuals and families in the Seattle area, Homestead offers high quality homes at below-market prices.
Parkview Services: https://www.parkviewservices.org/ Parkview’s Homeownership Program Offers home buying assistance in King County to individuals with developmental disabilities and family members who will live with them.
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Seattle Homesight Purchase Assistance: https://www.homesightwa.org/purchase-assistance/ Help with First Time Buyer loan options. Mandatory Homesight Buyer Education and housing counseling. A Homesight of WA sponsored program.
Homestead Community Landtrust: https://www.homesteadclt.org/become-a-homeowner Land Trust ownership means that you are able to purchase a home at a lower price because the land remains part of the land trust. In exchange, you agree when you choose to move to sell your home at an affordable price, allowing another individual or family to achieve their dream of homeownership, as well. For middle class individuals and families in the Seattle area, Homestead offers high quality homes at below-market prices.
Parkview Services: https://www.parkviewservices.org/ Parkview’s Homeownership Program Offers home buying assistance in King County to individuals with developmental disabilities and family members who will live with them.
City of Tacoma Down Payment Assistance Program: https://www.cityoftacoma.org/cms/one.aspx?pageId=21968 Assist eligible first-time homebuyers with the FHA required down payment to purchase a home in any of the eligible areas of Tacoma (some areas excluded).
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City of Kennewick: https://www.go2kennewick.com/ The City offers Down Payment Assistance for qualified first-time homebuyers. Look under Services for “Housing”.
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Snohomish Homesight Purchase Assistance: https://www.homesightwa.org/purchase-assistance/ Help with First Time Buyer loan options. Must purchase within Snohomish County. Mandatory Homesight Buyer Education and housing counseling. A Homesight of WA sponsored program.
Kitsap County Consolidated Housing Authority: https://www.housingkitsap.org/ Kitsap County Consolidated Housing Authority currently has Community Development Block Grant (CDBG) and Housing Opportunities Made Equal (HOME) funds to be used for assisting First Time Home Buyers in the purchase of a home for property located within Kitsap County, EXCLUDING the City of Bremerton.
Neighborworks of Grays Harbor County: https://www.nwghc.org/ Loans to help with down payment and/or closing costs on single-family, owner-occupied homes. Loan can also be used for "necessary rehab" work. Available within Grays Harbor County. Homebuyer education class required.
Kulshane Community Land Trust: http://www.kulshanclt.org/ KulshanCLT’s HomeBuyer Driven Program (HBDP) can help households of modest means purchase existing homes by using the community land trust approach. Available in Whatcom, Skagit, and Island Counties.
American Financial Solutions: https://www.myfinancialgoals.org/buying-a-home Educates and helps with preparing to find a home loan and offers information on down payment assistance programs in your state or local community and more. AFS is a HUD-approved housing counseling agency.
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Kitsap County Consolidated Housing Authority: https://www.housingkitsap.org/ Kitsap County Consolidated Housing Authority currently has Community Development Block Grant (CDBG) and Housing Opportunities Made Equal (HOME) funds to be used for assisting First Time Home Buyers in the purchase of a home for property located within Kitsap County, EXCLUDING the City of Bremerton.
Neighborworks of Grays Harbor County: https://www.nwghc.org/ Loans to help with down payment and/or closing costs on single-family, owner-occupied homes. Loan can also be used for "necessary rehab" work. Available within Grays Harbor County. Homebuyer education class required.
Kulshane Community Land Trust: http://www.kulshanclt.org/ KulshanCLT’s HomeBuyer Driven Program (HBDP) can help households of modest means purchase existing homes by using the community land trust approach. Available in Whatcom, Skagit, and Island Counties.
American Financial Solutions: https://www.myfinancialgoals.org/buying-a-home Educates and helps with preparing to find a home loan and offers information on down payment assistance programs in your state or local community and more. AFS is a HUD-approved housing counseling agency.
The ARC of Spokane: https://www.arc-spokane.org/supported-living The Supported Living Program helps people with developmental disabilities and their families overcome the challenges of buying a home by providing assistance and counseling.
Valley Residential Services: https://valleyresidential.org/ VRS is a non-profit agency that provides residential support including WSHFC HomeChoice counseling, to persons with developmental disabilities or mental illness, who need housing and living support to live in their own homes. Available in Yakima.
Okanogan County Community Action Council: http://occac.com/ Homebuyer education and courses for Okanogan County.
Whitman Community Action Center: http://www.cacwhitman.com/ The goal of the homebuyer assistance program is to increase homeownership among Whitman County residents with low to moderate incomes.
Rural Resources Community Action: https://ruralresources.org/people-served/home-buyers/ Resources and tips for buying and maintaining your very first home. Ferry, Pend Oreille, Stevens Counties.
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Valley Residential Services: https://valleyresidential.org/ VRS is a non-profit agency that provides residential support including WSHFC HomeChoice counseling, to persons with developmental disabilities or mental illness, who need housing and living support to live in their own homes. Available in Yakima.
Okanogan County Community Action Council: http://occac.com/ Homebuyer education and courses for Okanogan County.
Whitman Community Action Center: http://www.cacwhitman.com/ The goal of the homebuyer assistance program is to increase homeownership among Whitman County residents with low to moderate incomes.
Rural Resources Community Action: https://ruralresources.org/people-served/home-buyers/ Resources and tips for buying and maintaining your very first home. Ferry, Pend Oreille, Stevens Counties.
WSHFC House Key Veterans Program: http://www.wshfc.org/buyers/keyveterans.htm House Key Veterans is a down payment assistance, second mortgage loan program for veterans who have served our country. This is a WSHFC sponsored program.
Homeless Veterans Reintegration Project: https://www.dol.gov/agencies/vets/programs/hvrp HVRP is a proven, successful program that gets homeless veterans off the street and back to being productive members of society. WDVA provides HVRP-Urban services to Veterans in the Puget Sound Region of King, Pierce, Thurston, and Kitsap Counties. HVRP-Rural services are provided to ten counties in Eastern Washington.
United States Department of Veteran Affairs: http://www.va.gov/
Loan Guaranty Service Details: http://www.benefits.va.gov/homeloans The VA Loan Guaranty Service organization within the Veterans Benefits Administration is charged with the responsibility of administering the home loan program.
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Homeless Veterans Reintegration Project: https://www.dol.gov/agencies/vets/programs/hvrp HVRP is a proven, successful program that gets homeless veterans off the street and back to being productive members of society. WDVA provides HVRP-Urban services to Veterans in the Puget Sound Region of King, Pierce, Thurston, and Kitsap Counties. HVRP-Rural services are provided to ten counties in Eastern Washington.
United States Department of Veteran Affairs: http://www.va.gov/
Loan Guaranty Service Details: http://www.benefits.va.gov/homeloans The VA Loan Guaranty Service organization within the Veterans Benefits Administration is charged with the responsibility of administering the home loan program.