Bellingham · Whatcom County
Bellingham Downpayment Assistance
Deferred second loan · 80% of area median income
Programs by loan typePrograms by loan type · Washington
Down payment assistance you can pair with a VA loan in Washington
29 programs name VA loans: 5 city, 15 county or regional, 9 statewide.29 programs in Washington name VA loans among the first mortgages they can be paired with: 5 run by a city, 15 by a county or regional agency and 9 open statewide.
Two approvals, made separately. The lender underwrites the VA loan; the program reviews its own application, and the lender must also accept the assistance. The loan type is one rule among several.The lender underwrites the VA loan; the assistance program reviews its own application. A program naming VA means the two can be combined, and the lender must also accept the assistance as a source of funds. The loan type is one rule among several.
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The 29 programs, closest first
From one city out to the whole state
Listed A–Z within each group, not ranked.A city program covers homes inside that city; a county or regional program, homes in its area; a statewide program, an eligible home anywhere in Washington. Listed A–Z within each group, not ranked.
In a Washington city 5 programs
For homes inside that city’s limits onlySpokane · Spokane County
City of Spokane Down Payment Assistance
Deferred second loan · 80% of area median income
Seattle · King County
Downpayment Assistance Program
Deferred second loan · 80% of area median income
Seattle · King County
HomeSight City of Seattle Puget Sound Revolving Loan Fund
Deferred second loan · 120% of area median income
Seattle · King County
Seattle Housing Trust Fund
Deferred second loan · 80% of area median income
In a county or region 15 programs
For homes anywhere in the county or the counties namedKing County
ARCH East King County Downpayment Assistance
Deferred second loan · 80% of area median income
Multiple County
Down Payment / Closing Cost Assistance
Deferred second loan · 80% of area median income
Multiple County
Down Payment Assistance
Deferred second loan · 80% of area median income
Multiple County
Down Payment Assistance (DPA) Program
Deferred second loan · 80% of area median income
Multiple County
Down Payment Assistance Program
Deferred second loan · 80% of area median income
Pierce County
HomeSight Pierce County Puget Sound Revolving Loan Fund
Deferred second loan · 120% of area median income
Snohomish County
HomeSight Snohomish County Revolving Loan Fund
Deferred second loan · 120% of area median income
King County
HomeSight South King County Puget Sound Revolving Loan Fund
Deferred second loan · 120% of area median income
Anywhere in Washington 9 programs
Can sit alongside a city or county program where both allow it- Covenant Down Payment AssistanceDeferred second loan · First-time homebuyers
- Home Advantage Downpayment AssistanceDeferred second loan
- Home Advantage Downpayment Assistance - Needs Based ProgramDeferred second loan
- HomeChoice Downpayment AssistanceDeferred second loan · First-time homebuyers
- HomeSight Revolving Loan Fund (Statewide)Deferred second loan · First-time homebuyers
- HomeSight WA State LoanDeferred second loan · First-time homebuyers
- Opportunity Downpayment AssistanceUp to $15,000 · Deferred second loan · First-time homebuyers
- Veterans Downpayment AssistanceDeferred second loan · First-time homebuyers
- Washington Home AdvantageDeferred second loan
Nationwide 27 programs · not in the 29
Nationwide: 27 more, not in the 2927 nationwide programs that also name VA loans, each with its own area and eligibility rules
- American Pacific Mortgage Pathway DPA
- Chase Bank Homebuyer Grant
- Chico Rancheria Housing Corporation Homebuyer Assistance
- Confederated Tribes of Grand Ronde Down Payment Assistance
- Essex Mortgage 10 Year Amortized 2 Plus
- Essex Mortgage Forgivable/Deferred Program
- Fairway Independent Mortgage Corporation Affordable Housing
- Fairway Independent Mortgage Corporation HOPER's Incentive Program
- Flagstar - Flagstar Gift Program
- Great Nevada Mortgage Middle-Income Downpayment Assistance Grants
- Land Home Financial Services, Inc. House2Home Program
- Lennar Mortgage Advantage Plus Program
- MEP Advantage DPA Program
- National Homebuyers Fund (NHF) - Data Mortgage, Inc. dba Essex Mortgage Deferred Down Payment Assistance Program
- North Fork Rancheria Indian Housing Authority Down Payment Assistance Program
- Northern Circle Indian Housing Authority Down Payment Assistance
- Primary Residential Mortgage Down Payment Program
- Primary Residential Mortgage Inc. Welcome Home Down Payment Assistance Program
- Siletz Tribal Housing Department Down Payment Assistance
- Susan's Savings First Time Home Buyers Program
- Tyndall Federal Credit Union $1,000 Off Closing Cost
- Tyndall Federal Credit Union $450 Closing Cost
- U.S. Department of Housing and Urban Development HCV Homeownership Program
- U.S. Department of the Interior Indian Affairs Down Payment Assistance
- U.S. Department of Veterans Affairs Native American Direct Loan
- U.S. Department of Veterans Affairs Specially Adapted Housing (SAH) Grant
- U.S. Department of Veterans Affairs VA-backed Purchase Loan
- All nationwide programs →
What to know
What the 29 records say
From each program’s own record. The agency decides who can use it.Counted from each program’s own record. A program’s agency decides who can use it.
- 29 of 29
ask for a homebuyer education class.
- 24 of 29
are limited to first-time homebuyers, as each program defines it.
- 29 of 29
are deferred second loans.
Free help in WashingtonFree help in Washington
20 HUD-approved counseling agencies in Washington20 HUD-approved housing counseling agencies in Washington
All 29 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how the assistance and a VA loan fit together.All 29 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how an assistance program and a first mortgage fit together, before you talk to a lender. Create a free account to see who’s near you.
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Questions, answered
Can down payment assistance be used with a VA loan in Washington?
29 programs in Washington name VA loans among the loan types they can be paired with. The assistance program and the first-mortgage lender underwrite separately, so a lender must also be willing to accept the assistance as a source of funds.
Does naming VA loans mean a program is open to everyone using one?
No. The loan type is one eligibility rule among several — income limits, purchase price caps, credit requirements and occupancy rules all still apply, and each program sets its own.
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.
Programs and counts: Hey Prescott program records, each verified with its administering agency (June–August 2026). Counselors: HUD housing counseling agency list. Hey Prescott is not a lender.