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Home Advantage Needs-Based DPA

Administered by: Washington State Housing Finance Commission · State · Deferred Loan

Funding status: Active

How much assistance

Up to $10,000 (Deferred Loan)

Not forgivable. One percent simple interest, deferred for 30 years or until sale, transfer, refinance, or non-occupancy.

Income limits: At or below 80% AMI (county-specific)
First-time buyer required: No
Geographic restrictions: Statewide Washington. Must pair with a WSHFC Home Advantage first mortgage.
Homebuyer education required: Yes

Step 1: Complete the five-hour WSHFC homebuyer education class.

Step 2: Apply through a WSHFC participating lender.

Step 3: Lender confirms income eligibility and reserves the DPA.