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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 (Deferred Loan)

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

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

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.

Purchase price limits and income limits are updated by WSHFC multiple times per year; verify current figures at wshfc.org.