Down payment assistance · Washington
3 county-wide programs, 1 city with their own, plus 9 statewide and 62 nationwide.King has 3 programs that cover the whole county and 1 city with a program of their own. On top of those, 9 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in KingAnywhere in King County
All 3 are for first-time homebuyers and ask for a homebuyer class.These are run for the whole county, so a home in Seattle, Bellevue or Kent can use them. All 3 are for first-time homebuyers and ask for a homebuyer class.
Deferred second loan · New construction · Income limit 80% of AMI
Single-family detached, townhomes, condos (must be on agency-approved list), planned-unit developments, manufactured housing per agency guidelines
Deferred second loan · New construction · Income limit 120% of AMI
SFR, townhome, warrantable condo, 2-4 unit owner-occupied
Deferred second loan · New construction · Income limit 80% of AMI
SFR, townhome, condo, manufactured (real-property), 2-4 unit owner-occupied
AMI is HUD’s area median income for King, adjusted for household size. Each program publishes its own dollar limits.
Only inside city limits
For a home inside that city, on top of the county-wide 3.A city program is for a home inside that city. Buying there? It sits on top of the 3 county-wide programs above.
The King marketThe King housing market
Condos count. All 3 county-wide programs and all 3 city programs list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
45.5%
of King homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
The two income figures measure different things. HUD’s area median income is the one programs use. 20 of the 77 programs here set their income limit as a share of King County’s area median income, adjusted for household size. See the published limits for King County
Free help in KingFree help in King
6 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 6 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
Free account → 90-second match → your counselors · Sign in
Counted from HUD’s list of approved agencies: active offices whose ZIP code is in King County.
66 cities and placesA to Z
has a program of its own
The 3 county-wide programs cover homes anywhere in the county. City programs, like Seattle’s, are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
All 3 county-wide programs and all 3 city programs list condos as eligible. The agency confirms it for the home you choose.
HUD-approved housing counseling agencies teach homebuyer classes, and 6 agencies have an office in King County. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.