Deferred second loan
Downpayment Assistance Program
First-time homebuyers · Income limits · Single-family detached, condo, townhouse, 2-4 unit (with owner-occupancy)
Down payment assistance · King County
Buying a home in Seattle, WA
4 Seattle programs, 3 county programs and 9 statewide.Seattle has 4 programs of its own, 3 more across King 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.
Find my programs Free · No credit pull · 90 seconds
Only for Seattle addresses
Seattle’s own programs
Deferred second loan
Homebuyer Program
First-time homebuyers · Income limits · Habitat-built or Habitat-rehabbed single-family / townhouse / condo within Habitat developments
Deferred second loan
HomeSight City of Seattle Puget Sound Revolving Loan Fund
First-time homebuyers · New construction · Income limits · Single-family detached, townhomes, condominiums (warrantable), 2-4 unit properties (owner-occupied)
Deferred second loan
Seattle Housing Trust Fund
First-time homebuyers · New construction · Income limits · SFR, townhome, condo, 2-4 unit owner-occupied
Anywhere in KingAnywhere in King County
3 county programs3 county programs a Seattle homebuyer can also use
The Seattle marketThe Seattle housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Seattle
- 36.8% single-familysingle-family
- 6.1% townhousetownhouse
- 5.4% 2–4 units2–4 units
- 51.4% 5+ unitscondo & apartment buildings (5+ units)
- 0.3% mobile & othermobile home & other
Condos count. All 7 of Seattle’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Seattle’s homes were built
pre-19401970s2020+
52.8%
of Seattle 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.
$164,400
County area median income, 4 people (HUD)HUD area median income, King County, 4-person household (2026)
$123,860
Seattle median household incomeMedian household income in Seattle (Census, 2024)
21 of the 78 programs here set their income limit as a share of King County’s area median income, adjusted for household size. See the published limits for King County
Free help nearbyFree help near Seattle
8 HUD-approved counseling agencies within 15 miles8 HUD-approved housing counseling agencies within 15 miles
7 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 7 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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across Washington and nationwide
71 statewide & federal programs9 statewide programs, plus federal options
Seattle questions
Does Seattle have its own down payment program?
Yes, 4: Downpayment Assistance Program, Homebuyer Program, HomeSight City of Seattle Puget Sound Revolving Loan Fund and Seattle Housing Trust Fund. Each is for homes inside Seattle.
Can I use assistance on a condo in Seattle?
All 7 of Seattle’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 King County?
Each program sets its own. 21 of the programs here set theirs as a share of HUD’s area median income for King 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 Seattle?
HUD-approved housing counseling agencies teach homebuyer classes, and 8 agencies are within 15 miles of Seattle. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
98101 · 98102 · 98103 · 98104 · 98105 · 98106 · 98107 · 98108 · 98109 · 98111 · 98112 · 98114 · 98115 · 98116 · 98117 · 98118 · 98119 · 98121 · 98122 · 98124 · 98125 · 98126 · 98129 · 98131 · 98132 · 98133 · 98134 · 98136 · 98138 · 98144 · 98145 · 98146 · 98148 · 98151 · 98154 · 98155 · 98158 · 98160 · 98161 · 98164 · 98166 · 98168 · 98170 · 98171 · 98174 · 98177 · 98178 · 98181 · 98184 · 98185 · 98188 · 98190 · 98191 · 98195 · 98198 · 98199
Nearby in King
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.