Down payment assistance income limits in Washington
29 down payment assistance programs in Washington publish an income limit, a purchase price cap, or both.
Every figure below is the limit the administering agency publishes. Limits are revised as area incomes and local prices move, so confirm current figures with the agency before relying on them.
Area median income by county
HUD's published four-person area median income for each Washington county. A program that sets its limit at a percentage of area median income applies that percentage to the figure for the county where the home is, adjusted for household size.
| County | Published | 4-person median |
|---|---|---|
| Adams | 2026 | $77,300 |
| Asotin | 2026 | $102,900 |
| Benton | 2026 | $105,400 |
| Chelan | 2026 | $99,100 |
| Clallam | 2026 | $98,900 |
| Clark | 2026 | $128,300 |
| Columbia | 2026 | $102,200 |
| Cowlitz | 2026 | $106,700 |
| Douglas | 2026 | $99,100 |
| Ferry | 2026 | $80,400 |
| Franklin | 2026 | $105,400 |
| Garfield | 2026 | $91,200 |
| Grant | 2026 | $78,000 |
| Grays Harbor | 2026 | $84,200 |
| Island | 2026 | $107,200 |
| Jefferson | 2026 | $107,000 |
| King | 2026 | $164,400 |
| Kitsap | 2026 | $129,600 |
| Kittitas | 2026 | $107,400 |
| Klickitat | 2026 | $88,900 |
| Lewis | 2026 | $107,300 |
| Lincoln | 2026 | $92,100 |
| Mason | 2026 | $107,600 |
| Okanogan | 2026 | $80,800 |
| Pacific | 2026 | $87,700 |
| Pend Oreille | 2026 | $86,700 |
| Pierce | 2026 | $127,300 |
| San Juan | 2026 | $113,100 |
| Skagit | 2026 | $120,200 |
| Skamania | 2026 | $128,300 |
| Snohomish | 2026 | $164,400 |
| Spokane | 2026 | $110,500 |
| Stevens | 2026 | $87,700 |
| Thurston | 2026 | $122,800 |
| Wahkiakum | 2026 | $78,800 |
| Walla Walla | 2026 | $102,300 |
| Whatcom | 2026 | $123,300 |
| Whitman | 2026 | $103,100 |
| Yakima | 2026 | $88,600 |
Published limits by program
| Program | Income limit | Price cap |
|---|---|---|
| ARCH East King County Downpayment AssistanceKing | 80% of area median incomeIncome limits vary by underlying first mortgage program. With Home Advantage in King County: up to approximately $157,100. With House Key Opportunity in King County: $84,850 (1-2 person) to $97,575 (3+ person) in non-target areas. Limits are aligned with WSHFC's Home Advantage and Opportunity income tables and are updated periodically. | $660,000 |
| Bellingham Downpayment AssistanceBellingham · Whatcom | 80% of area median incomeIncome limits range from approximately $60,700 (House Key Opportunity, 1-2 person, Whatcom non-target) to $114,450 (Home Advantage, Whatcom County). Limits depend on which first mortgage program is used. | $667,850 |
| City of Spokane Down Payment AssistanceSpokane · Spokane | 80% of area median incomeHousehold income $54,800 (1 person) to $103,400 (8 person) per HUD HOME 80% AMI limits for Spokane MSA | — |
| Covenant Down Payment AssistanceStatewide · Statewide | $188,500Income limit is up to 100% of statewide median family income for Washington (approximately $104,500 to $188,500 depending on county and effective date); confirm at https://www.wshfc.org/buyers/Covenant.htm | — |
| Down Payment / Closing Cost AssistanceMultiple | 80% of area median incomeHousehold income $21,200 (1 person, ~30% AMI) to $106,500 (8 person, ~80% AMI) per HUD NAHASDA / IHBG limits for the Spokane tribal service area | — |
| Down Payment AssistanceMultiple | 80% of area median incomeHousehold income $53,100 (1 person) to $123,250 (8 person) per HUD NAHASDA / IHBG limits for the Chehalis tribal service area | — |
| Down Payment Assistance (DPA) ProgramMultiple | 80% of area median incomeHousehold income $51,750 (1 person) to $97,550 (8 person) per HUD HOME 80% AMI for Kennewick-Richland MSA | $347,000 |
| Down Payment Assistance ProgramWenatchee · Multiple | 80% of area median incomeHousehold income $54,050 (1 person) to $101,950 (8 person) per HUD HOME 80% AMI for Wenatchee MSA | — |
| Downpayment Assistance ProgramSeattle · King | 80% of area median incomeHousehold income $84,320 (1 person) to $159,120 (8 person) per HUD HOME 80% AMI for King County / Seattle | — |
| Home Advantage Downpayment AssistanceStatewide · Statewide | $215,000Single statewide qualifying income cap of $215,000 (effective 2025), regardless of household size or property location. This is qualifying income (income on the loan application), not household income. | — |
| Home Advantage Downpayment Assistance - Needs Based ProgramStatewide · Statewide | 80% of area median incomeIncome limit equals 80% of area median income for the property's county; ranges approximately $122,100 to $157,100 depending on county and household size. Use WSHFC's income limits table at https://www.wshfc.org/buyers/income.htm | — |
| Homebuyer ProgramSeattle · Multiple | 80% of area median incomeHousehold income $60,350 (1 person) to $159,950 (8 person) per HUD 30-80% AMI for King County | — |
| HomeChoice Downpayment AssistanceStatewide · Statewide | 80% of area median incomeIncome at or below 80% AMI for the property's county; range approximately $122,100 to $157,100 depending on county and household size. See https://www.wshfc.org/buyers/income.htm | — |
| HomeSight City of Seattle Puget Sound Revolving Loan FundSeattle · King | 120% of area median incomeIncome limits set at 120% of HUD Area Median Income for Seattle-Bellevue HMFA, adjusted for household size. 2024 limits roughly $126,600 (1-person) to $180,850 (8-person). Updated annually. | — |
| HomeSight Pierce County Puget Sound Revolving Loan FundPierce | 120% of area median incomeIncome limits set at 120% HUD AMI for Tacoma-Lakewood HMFA, adjusted for household size; approximately $97,300 (1-person) to $139,000 (8-person) per 2024 HUD limits. | — |
| HomeSight Revolving Loan Fund (Statewide) | See programIncome limits vary by HUD MSA / county where property is located (typically up to 120% AMI). Refer to HomeSight loan matrix for specific county. | — |
| HomeSight Snohomish County Revolving Loan FundSnohomish | 120% of area median incomeIncome limits at 120% HUD AMI for Seattle-Bellevue HMFA (which includes Snohomish County), approximately $126,600 (1-person) to $180,850 (8-person) per 2024 HUD. | — |
| HomeSight South King County Puget Sound Revolving Loan FundKing | 120% of area median incomeIncome limits at 120% HUD AMI for Seattle-Bellevue HMFA, approximately $126,600 (1-person) to $180,850 (8-person) per 2024 HUD. | — |
| HomeSight WA State Loan | 80% of area median incomeWA State HTF income limits typically 80% HUD AMI by county; statewide range approximately $47,250-$126,400 across counties and household sizes. | — |
| Kitsap County Down Payment AssistanceKitsap | 80% of area median incomeHousehold income $67,050 (1 person) to $126,400 (8 person) per HUD HOME 80% AMI limits for Kitsap County / Bremerton-Silverdale MSA | — |
| Opportunity Downpayment AssistanceStatewide · Statewide | 80% of area median incomeIncome limits set by House Key Opportunity bond program by county and household size; range approximately $67,600 (1-2 person, lower-cost county) to $121,150 (3+ person, higher-cost county). See https://www.wshfc.org/buyers/income.htm | — |
| Pierce County LoanPierce | 80% of area median income80% HUD AMI for Tacoma-Lakewood HMFA, adjusted for household size; approximately $64,800 (1-person) to $92,650 (8-person). | — |
| Puget Sound Revolving Loan FundKing|Snohomish|Pierce | 120% of area median income120% HUD AMI for Seattle-Bellevue HMFA; approximately $126,600 (1-person) to $180,850 (8-person) per 2024 HUD. | — |
| Rural Kitsap Down Payment AssistanceKitsap | 80% of area median incomeHousehold income $83,800 (1 person) to $119,700 (larger household) per program limits for rural Kitsap County | $494,000 |
| Seattle Housing Trust FundSeattle · King | 80% of area median income80% HUD AMI for Seattle-Bellevue HMFA; approximately $77,700 (1-person) to $110,950 (8-person) per 2024 HUD. | — |
| Snohomish County LoanSnohomish | 80% of area median income80% HUD AMI for Seattle-Bellevue HMFA (Snohomish County); approximately $77,700 (1-person) to $110,950 (8-person) per 2024 HUD. | $618,000 |
| South King County LoanKing | 80% of area median income80% HUD AMI for Seattle-Bellevue HMFA; approximately $77,700 (1-person) to $110,950 (8-person) per 2024 HUD. | $632,000 |
| Veterans Downpayment AssistanceStatewide · Statewide | 80% of area median incomeIncome limits range approximately $122,100 to $157,100 depending on county and household size, aligned with WSHFC Home Advantage / Opportunity tables. See https://www.wshfc.org/buyers/income.htm | — |
| Washington Home Advantage | 100% of area median income | — |
Questions, answered
What are the income limits for down payment assistance in Washington?
29 down payment assistance programs in Washington publish an income limit, a purchase price cap, or both. 26 express the limit as a percentage of the area median income for the county where the home is, and 27 publish a flat dollar figure instead.
Why does the same program have different income limits in different counties?
Because most limits are set as a percentage of area median income, which HUD publishes per county and revises annually. A program with one published percentage therefore admits a different dollar figure in each county, and the figure is further adjusted for household size.
Is a published limit the same as being approved?
No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.
Is Hey Prescott a lender?
No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.
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