Kitsap County Down Payment Assistance
Deferred second loan · Forgiven over 5 yrs · Income limit 80% of AMI
Single-family detached, condo, townhouse, 2-4 unit (with owner-occupancy), manufactured on land
See details Jul 2026
Down payment assistance · Washington
Buying a home in Kitsap County, WA
2 county-wide programs, plus 9 statewide and 62 nationwide.Kitsap has 2 programs that cover the whole county. 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 KitsapAnywhere in Kitsap County
2 programs for every Kitsap address2 programs that cover every Kitsap address
All 2 are for first-time homebuyers and ask for a homebuyer class.These are run for the whole county, so a home in Bremerton, Bainbridge Island or Silverdale can use them. All 2 are for first-time homebuyers and ask for a homebuyer class.
Rural Kitsap Down Payment Assistance
Deferred second loan · Forgiven over 5 yrs · Income limit 80% of AMI
Single-family detached, condo, townhouse, manufactured on land in rural Kitsap
See details Jul 2026
AMI is HUD’s area median income for Kitsap, adjusted for household size. Each program publishes its own dollar limits.
The Kitsap marketThe Kitsap housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Kitsap
- 71.1% single-familysingle-family
- 3.8% townhousetownhouse
- 6.2% 2–4 units2–4 units
- 12.9% 5+ unitscondo & apartment buildings (5+ units)
- 5.9% mobile & othermobile home & other
Condos count. All 2 county-wide programs list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Kitsap’s homes were built
pre-19401970s2020+
39.8%
of Kitsap 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.
$129,600
HUD area median income, 4 people (FY2026)HUD area median income, Kitsap County, 4-person household (FY2026)
$104,158
Median household income (ACS 2024 5-year)Median household income in Kitsap (Census ACS 2024 5-year)
70.1%
of occupied homes are owner-occupied (Washington: 63.8%)
The two income figures measure different things. HUD’s area median income is the one programs use. 16 of the 73 programs here set their income limit as a share of Kitsap County’s area median income, adjusted for household size. See the published limits for Kitsap County
Free help in KitsapFree help in Kitsap
2 HUD-approved counseling agencies with an office in the county2 HUD-approved housing counseling agencies with an office in Kitsap County
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 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.
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Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Kitsap County.
23 cities and placesA to Z
All cities in Kitsap CountyAll 23 cities and places in Kitsap County
Kitsap questions
Can I use a county program anywhere in Kitsap?
The 2 county-wide programs cover homes anywhere in the county. City programs are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
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.
What is the area median income in Kitsap County?
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.
Do Kitsap programs accept condos?
All 2 county-wide programs list condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Kitsap?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies have an office in Kitsap 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.