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Get Matched Free →Palouse Habitat for Humanity Homeownership Program
How much assistance
Below-market home purchase paired with affordable Habitat mortgage; effective subsidy typically tens of thousands of dollars. Down payment assistance loans up to a per-buyer cap drawn from a $900,000 Washington State Housing Trust Fund grant (2026) (Zero-Interest Loan)
0% interest DPA loans repaid when the home is sold; Habitat first mortgage maintains long-term affordability through resale restrictions
Eligibility
- Income limits: Low-income households as defined annually by HUD for Whitman County (Washington) and Latah County (Idaho); typically 30%-80% AMI
- First-time buyer required: Yes — First-time homebuyer (no homeownership in the past three years)
- Geographic restrictions: Whitman County, Washington and Latah County, Idaho. Past builds in Pullman, Colfax, Palouse, Uniontown, Albion (WA) and Moscow, Genesee, Potlatch (ID)
- Homebuyer education required: Yes
How to Apply for Palouse Habitat for Humanity Homeownership Program
Step 1: Contact Palouse Habitat for Humanity at (208) 883-8502 or palousehabitat.org. Approved partner families must currently live in Whitman or Latah County, complete 300-500 sweat equity hours, save $1,000 toward down payment, and complete homeownership and financial management classes.
Notes
Awarded $900,000 from the Washington State Department of Commerce Housing Trust Fund in early 2026 to provide DPA to six qualifying buyers over three years in rural Whitman County. No bankruptcy in past 3 years; charge-offs under $2,000; debt-to-income under 43%.