Down payment assistance · Whatcom County
Buying a home in Ferndale, WA
9 statewide.Ferndale has no program of its own, and 9 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
What’s local to Ferndale
No program of Ferndale’s own yet
No program run for Ferndale or for Whatcom County alone is listed. A home in Ferndale can use the Washington statewide and federal programs below.
The closest city that runs its own program is Bellingham, about 8 miles away. City programs usually require the home to be inside that city’s limits.
Neighboring cities
1 program for homes in nearby cities
1 more program is for homes in Bellingham. See them 1 program in neighboring cities — for homes inside those cities, not Ferndale
- Bellingham — Bellingham Downpayment Assistance
The Ferndale marketThe Ferndale housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Ferndale
- 64% single-familysingle-family
- 3.5% townhousetownhouse
- 8.5% 2–4 units2–4 units
- 17.1% 5+ unitscondo & apartment buildings (5+ units)
- 6.8% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Ferndale’s homes were built
26.9%
of Ferndale 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.
14 of the 71 programs here set their income limit as a share of Whatcom County’s area median income, adjusted for household size. See the published limits for Whatcom County
Free help nearbyFree help near Ferndale
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Create a free account to see who’s near you and pick one.A HUD-approved counselor teaches homebuyer classes 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
Across Washington and nationwide
71 statewide & federal programs9 statewide programs, plus federal options
Ferndale questions
Does Ferndale have its own down payment program?
No program run for Ferndale alone is listed. A home in Ferndale can use the 9 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Ferndale?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Whatcom County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Whatcom County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Ferndale?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Ferndale. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
98248
Nearby in Whatcom
Sources
Sources: agency sites (June–August 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.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). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.