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Habitat for Humanity Seattle-King and Kittitas Counties Homeownership Program

Administered by: Habitat for Humanity Seattle-King and Kittitas Counties · Nonprofit · Zero-Interest Loan

Funding status: Active

How much assistance

Below-market home sale with zero percent interest mortgage (Zero-Interest Loan)

Not forgivable. Buyer pays affordable mortgage; resale formulas may preserve affordability.

Eligibility

  • Income limits: At or below 80% AMI; some opportunities require below 60% or 50% AMI
  • First-time buyer required: Yes — Typically required, with case-by-case flexibility.
  • Geographic restrictions: King and Kittitas Counties, Washington. Program requires 250+ sweat equity hours.
  • Homebuyer education required: Yes

How to Apply for Habitat for Humanity Seattle-King and Kittitas Counties Homeownership Program

Step 1: Attend a Habitat for Humanity Seattle-King and Kittitas Counties information session.

Step 2: Submit your application during an open cycle.

Step 3: If selected, complete 250+ sweat equity hours on your home and other Habitat projects.

Step 4: Complete required homebuyer education.

Step 5: Close on your Habitat home with an affordable 0% interest mortgage.

Notes

Applicants must show at least 1% of the purchase price (approximately $3,000-$7,000) set aside at time of application. Contact Habitat at (206) 453-2950.

Cities Where This Program Is Available