Kitsap County Down Payment Assistance
Deferred second loan · Forgiven over 5 yrs · Income limits
Down payment assistance · Kitsap County
Buying a home in Port Orchard, WA
2 county programs and 9 statewide.Port Orchard has no program of its own, 2 across Kitsap County, and 9 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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What’s local to Port Orchard
No program of Port Orchard’s own yet
No program run for Port Orchard alone is listed. A home in Port Orchard can use Kitsap County’s programs below, plus the Washington statewide and federal ones.
The closest city that runs its own program is Seattle, about 15 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in KitsapAnywhere in Kitsap County
2 county programs2 county programs a Port Orchard homebuyer can use
The Port Orchard marketThe Port Orchard housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Port Orchard
- 67.2% single-familysingle-family
- 3.1% townhousetownhouse
- 5.4% 2–4 units2–4 units
- 22.2% 5+ unitscondo & apartment buildings (5+ units)
- 2.1% mobile & othermobile home & other
Condos count. All 2 of Port Orchard’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Port Orchard’s homes were built
pre-19401970s2020+
26.9%
of Port Orchard 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
County area median income, 4 people (HUD)HUD area median income, Kitsap County, 4-person household (2026)
$89,795
Port Orchard median household incomeMedian household income in Port Orchard (Census, 2024)
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 nearbyFree help near Port Orchard
3 HUD-approved counseling agencies within 15 miles3 HUD-approved housing counseling agencies within 15 miles
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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Across Washington and nationwide
71 statewide & federal programs9 statewide programs, plus federal options
Port Orchard questions
Does Port Orchard have its own down payment program?
No program run for Port Orchard alone is listed. A home in Port Orchard can use the 2 programs that cover Kitsap County and the 9 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Port Orchard?
All 2 of Port Orchard’s local and county programs accept condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Kitsap County?
Each program sets its own. 16 of the programs here set theirs as a share of HUD’s area median income for Kitsap 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 Port Orchard?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies are within 15 miles of Port Orchard. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
98366 · 98367
Nearby in Kitsap
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.