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Opportunity Down Payment Assistance

Administered by:
Washington State Housing Finance Commission
 · State · Deferred Loan
Funding status: Active

How much assistance

Up to $15,000
Not forgivable. One percent simple interest, deferred for 30 years or until sale, transfer, refinance, or early payoff of the first mortgage.

Eligibility

  • Income limits: King/Snohomish $96,950 (1-2 persons) / $121,150 (3+); Clark, Kitsap, Pierce, Skamania $79,450 / $99,300; Thurston/Whatcom $74,700 / $93,350; all other counties $67,600 / $84,500
  • First-time buyer required: Yes — Borrower has not owned or occupied a primary residence in the past three years. Requirement waived in federally designated target areas.
  • Geographic restrictions: Statewide Washington. Purchase price limit varies from $345,000 to $750,000 depending on county. Must pair with the WSHFC House Key Opportunity or Home Advantage first mortgage.
  • Homebuyer education required: Yes

Free eligibility check

Up to $15,000 in assistance. Check if you qualify for Opportunity Down Payment Assistance.

  • Free
  • No credit check
  • Takes 2 minutes

Are you a first-time homebuyer?

YesNoNot sure
Question 1 of 6
housebuyerguides

How to Apply for Opportunity Down Payment Assistance

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

Step 2: Obtain your certificate and contact a WSHFC participating lender.

Step 3: Lender verifies income, purchase price, and first-time buyer status, then reserves the Opportunity DPA.

Free eligibility check

See every program you may qualify for

  • Free
  • No credit check
  • Takes 2 minutes

How soon are you looking to buy?

Within 30 days1–3 months3–6 months6–12 monthsJust researching
Question 1 of 6
housebuyerguides

Learn More About Homebuying in Washington

Cities Where This Program Is Available (38 cities across 1 state)

Washington (38 cities)

Available Statewide In