Down Payment Assistance Programs in Washington State

Washington State has several programs that can help buyers cover down payment and closing costs. Here is what is available and how to qualify.

By Homexa® Team. Published April 9, 2026. Updated September 25, 2026.

Washington State offers several robust programs to help buyers cover down payment and closing costs. These programs are administered primarily through the Washington State Housing Finance Commission (WSHFC) and can make homeownership accessible for buyers who have income but lack the savings for a traditional down payment.

Home Advantage Program The WSHFC Home Advantage program is the most widely used first-time buyer program in Washington State. It offers below-market interest rate mortgages paired with down payment assistance of up to 4 percent of the loan amount. The down payment assistance is structured as a second mortgage with 0 percent interest and no monthly payments, due only when the home is sold or the mortgage is paid off.

Opportunity Program The Opportunity program serves lower-income buyers and provides more substantial assistance. It is designed for households whose income falls below 80 percent of Area Median Income (AMI) and offers up to 5 percent in down payment assistance.

HouseKey Opportunity HouseKey Opportunity provides deeper subsidies for buyers whose household income does not exceed 80 percent AMI and are purchasing in low-income census tracts. This program offers below-market rates below the standard Home Advantage rate.

HomeChoice Program The HomeChoice program is designed specifically for homebuyers with disabilities or who have a household member with a disability. It provides down payment assistance of up to $15,000.

Homebuyer Education Requirement All WSHFC programs require buyers to complete a homebuyer education course before closing. These courses cover the home purchase process, budgeting, mortgage basics, and ongoing homeownership responsibilities. They can typically be completed online in four to six hours.

Working With a Homexa® Agent to Access These Programs Homexa® agents in Washington State are familiar with the WSHFC programs and work with participating lenders who can help buyers apply. Connect with a Homexa® agent to understand which programs you qualify for and how to maximize your buying power.

Frequently Asked Questions

What is the WSHFC Home Advantage program in Washington?

Home Advantage is the most widely used first-time buyer program in Washington State. It pairs below-market interest rate mortgages with down payment assistance of up to 4 percent of the loan amount, structured as a 0 percent second mortgage with no monthly payments that is due only when the home is sold or the mortgage is paid off. Homexa® connects Washington buyers with experienced local agents.

What down payment help is available for lower-income buyers in Washington?

The Opportunity program serves households below 80 percent of Area Median Income and offers up to 5 percent in down payment assistance. HouseKey Opportunity provides deeper subsidies, with rates below the standard Home Advantage rate, for buyers at or below 80 percent AMI purchasing in low-income census tracts. Homexa® can connect you with an experienced local agent in Washington.

Is there down payment assistance for Washington buyers with disabilities?

Yes. The WSHFC HomeChoice program is designed for homebuyers with disabilities or who have a household member with a disability, and it provides down payment assistance of up to $15,000. All WSHFC programs require a homebuyer education course before closing, typically completed online in four to six hours. Homexa® helps buyers find experienced local agents in Washington State.