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Spokane Housing Authority Homeownership Program

Administered by: Spokane Housing Authority (Northeast Washington Housing Solutions) · City · Repayable Loan

Funding status: Active

How much assistance

Monthly Housing Choice Voucher subsidy applied to mortgage payment (Repayable Loan)

Not applicable. Monthly voucher subsidy helps pay the mortgage; homeowner still repays the underlying mortgage.

Income limits: Must be a current HCV participant (generally at or below 50% AMI at program entry) with minimum earned income requirements per HUD rules
First-time buyer required: Yes — Borrower has not owned a primary residence in the past three years.
Geographic restrictions: Spokane Housing Authority service area (Spokane, Lincoln, Pend Oreille, Stevens, Ferry, and Whitman counties). Must be a current Housing Choice Voucher participant in good standing.
Homebuyer education required: Yes

Step 1: Confirm you are a current Spokane Housing Authority Housing Choice Voucher holder in good standing.

Step 2: Meet the employment and income requirements set by HUD for the HCV homeownership option.

Step 3: Contact Spokane Housing Authority at (509) 328-2953 to apply for the homeownership program.

Step 4: Complete required homebuyer education.

Step 5: Get pre-approved for a mortgage with a lender willing to accept the HCV homeownership subsidy.

Step 6: Purchase a home within the SHA service area with the voucher applied to your monthly payment.

Slots are limited. Must already be an active HCV participant before applying to the homeownership program.