Opportunity Downpayment Assistance
Deferred second loan · New construction · Income limits · First-time · Veterans · Educators
Down payment assistance · Washington
Buying a home in Washington
30 programs: 9 statewide, the rest run by counties and 3 cities. What you can use depends on where the home is.30 programs across Washington: 9 statewide, the rest run by counties and 3 cities. What you can use depends on where the home is.
Free · No SSN · No credit pull
Start with your county
Local help, prices and income limits differ county to county
- King6 local programs · $859,900 · AMI $164,400
- Kitsap2 local programs · $555,100 · AMI $129,600
- Pierce2 local programs · $526,600 · AMI $127,300
- Snohomish2 local programs · $696,000 · AMI $164,400
- All 39 counties
Home values: Census ACS 2024 5-year. Income: HUD FY2026. Programs: Hey Prescott, verified June–August 2026.
Anywhere in Washington
9 statewide programs
Covenant Down Payment Assistance
Deferred second loan · New construction · Income limits · First-time · Veterans · Educators
Home Advantage Downpayment Assistance
Deferred second loan · New construction · Income limits · Veterans · Educators
- Veterans · 29
- Teachers · 18
- First responders · 18
- Healthcare workers · 18
- With FHA · 29
- With VA · 29
- With USDA · 29
- With conventional · 30
- With Section 184 · 3
Plus 62 nationwide programs. See them See nationwide programs
Free help from a person
20 HUD-approved counseling agencies in Washington20 HUD-approved housing counseling agencies in Washington
All 9 statewide programs ask for a homebuyer class first. Create a free account to see who’s near you.All 9 statewide programs ask for a homebuyer class first. Create a free account, take the 90-second match, and we’ll show the counselors near you.
Find my counselor
Free account → 90-second match → your counselors
Income limitsIncome limits and price caps in WashingtonArea median income for all 39 counties, and the limit each program sets.See the limits
Washington questions
What is Opportunity Downpayment Assistance?
Opportunity Downpayment Assistance, a deferred second loan for first-time homebuyers (new construction, income limits), open anywhere in Washington. Its page has the details and a link to the official site.
Which Washington counties run their own programs?
6 counties of 39 have a county or city program listed, among them King, Kitsap, Pierce and Snohomish. The table above lists them, and each county page has its own programs.
Do I need a homebuyer class in Washington?
Many programs ask for one. 9 of the 9 statewide programs list a homebuyer education requirement. HUD-approved housing counseling agencies teach them, often for free.
Can I use assistance on a Washington condo?
9 of the 9 statewide programs list condos as eligible. Each program’s page lists the kinds of homes it accepts.
3 Washington cities with their own program