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HomeChoice Down Payment Assistance

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

Funding status: Active

How much assistance

Up to $15,000 (Deferred Loan)

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

Income limits: At or below 100% AMI (county-specific)
First-time buyer required: Yes — Borrower has not owned a primary residence in the past three years. Requirement waived in target areas.
Geographic restrictions: Statewide Washington. Borrower or a household member must have a disability as defined by the Americans with Disabilities Act. Must pair with Home Advantage or House Key Opportunity first mortgage.
Homebuyer education required: Yes

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

Step 2: Gather disability documentation for the borrower or household member.

Step 3: Apply through a WSHFC participating lender who will verify eligibility and reserve the HomeChoice DPA.