Deferred second loan
City of Spokane Down Payment Assistance
First-time homebuyers · Income limits · Single-family detached, condo, townhouse, 2-4 unit (with owner-occupancy), manufactured on land
Down payment assistance · Spokane County
Buying a home in Spokane, WA
1 Spokane program and 9 statewide.Spokane has 1 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.
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Only for Spokane addresses
Spokane’s own program
The Spokane marketThe Spokane housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Spokane
- 64.2% single-familysingle-family
- 3.3% townhousetownhouse
- 7% 2–4 units2–4 units
- 24.2% 5+ unitscondo & apartment buildings (5+ units)
- 1.4% mobile & othermobile home & other
Condos count. Spokane’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Spokane’s homes were built
pre-19401970s2020+
68.4%
of Spokane 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.
$110,500
County area median income, 4 people (HUD)HUD area median income, Spokane County, 4-person household (2026)
$70,064
Spokane median household incomeMedian household income in Spokane (Census, 2024)
15 of the 72 programs here set their income limit as a share of Spokane County’s area median income, adjusted for household size. See the published limits for Spokane County
Free help nearbyFree help near Spokane
4 HUD-approved counseling agencies within 15 miles4 HUD-approved housing counseling agencies within 15 miles
Spokane’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.City of Spokane Down Payment Assistance asks 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
Spokane questions
Does Spokane have its own down payment program?
Yes, one: City of Spokane Down Payment Assistance, a deferred second loan for first-time homebuyers (forgiven over 5 yrs, income limits). It is for homes inside Spokane.
Can I use assistance on a condo in Spokane?
Spokane’s one local program accepts 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 Spokane County?
Each program sets its own. 15 of the programs here set theirs as a share of HUD’s area median income for Spokane 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 Spokane?
HUD-approved housing counseling agencies teach homebuyer classes, and 4 agencies are within 15 miles of Spokane. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
99201 · 99202 · 99203 · 99204 · 99205 · 99206 · 99207 · 99208 · 99209 · 99210 · 99211 · 99212 · 99213 · 99214 · 99215 · 99216 · 99217 · 99218 · 99219 · 99220 · 99223 · 99224 · 99228 · 99251 · 99252 · 99256 · 99258 · 99260 · 99299
Nearby in Spokane
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.