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Get Matched Free →Home Advantage DPA
Funding status: Active
How much assistance
Up to 5% of the first mortgage loan amount (Deferred Loan)
Not forgivable. Zero percent simple interest, deferred for 30 years or until sale, transfer, refinance, or payoff of the first mortgage.
Eligibility
- Income limits: Household income up to $215,000
- First-time buyer required: No
- Geographic restrictions: Statewide Washington. Must pair with a WSHFC Home Advantage first mortgage.
- Homebuyer education required: Yes
How to Apply for Home Advantage DPA
Step 1: Complete the free five-hour WSHFC homebuyer education class at heretohome.org.
Step 2: Contact a WSHFC participating lender.
Step 3: Lender reserves both the first mortgage and the Home Advantage DPA second mortgage.
Notes
Income limit raised from $180,000 to $215,000 effective September 15, 2025. Credit score minimum follows lender overlays; WSHFC removed its 620 overlay in June 2023.