See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 28, 2026
Homebuyer Programs in Marysville, WA (2026)
Marysville sits about 35 miles north of Seattle in Snohomish County and offers some of the more attainable home prices in the Puget Sound region, with a median around $625,000. First-time buyers in Marysville can take advantage of the Snohomish County Down Payment Assistance Program, which provides up to $50,000 in deferred-loan assistance to qualified buyers across the county. Additional support is available through Habitat for Humanity of Snohomish County and Homes and Hope Community Land Trust, both of which create permanently affordable ownership opportunities. Stacking these with state programs through the Washington State Housing Finance Commission, including Home Advantage DPA (up to 5% of the loan amount), Opportunity DPA (up to $15,000), and Veterans DPA (up to $10,000), can deliver tens of thousands in combined assistance toward a Marysville purchase.
County Programs in Snohomish County
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Snohomish County Down Payment Assistance Program | Deferred Loan | Up to $50,000 | Yes | View → |
- Type:
- Deferred Loan
- Amount:
- Up to $50,000
- First-time only:
- Yes
State Programs in Washington
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Covenant Homeownership Program | Forgivable Loan | Up to 20% of the purchase price (or appraised value, if lower), capped at $150,000, plus buyer-paid closing costs | Yes | View → |
| Home Advantage DPA | Deferred Loan | Up to 5% of the first mortgage loan amount | No | View → |
| Home Advantage Needs-Based DPA | Deferred Loan | Up to $10,000 | No | View → |
| HomeChoice Down Payment Assistance | Deferred Loan | Up to $15,000 | Yes | View → |
| Opportunity Down Payment Assistance | Deferred Loan | Up to $15,000 | Yes | View → |
| Veterans Down Payment Assistance | Repayable Loan | Up to $10,000 | Yes | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to 20% of the purchase price (or appraised value, if lower), capped at $150,000, plus buyer-paid closing costs
- First-time only:
- Yes
- Type:
- Deferred Loan
- Amount:
- Up to 5% of the first mortgage loan amount
- First-time only:
- No
- Type:
- Deferred Loan
- Amount:
- Up to $10,000
- First-time only:
- No
- Type:
- Deferred Loan
- Amount:
- Up to $15,000
- First-time only:
- Yes
- Type:
- Deferred Loan
- Amount:
- Up to $15,000
- First-time only:
- Yes
- Type:
- Repayable Loan
- Amount:
- Up to $10,000
- First-time only:
- Yes
Federal Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| FHA Loans | Government-Insured Mortgage | Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026) | No | View → |
| Good Neighbor Next Door (HUD) | Government Property Sale Program | 50% discount off the list price of HUD-owned homes | Yes | View → |
| Home Possible Mortgage (Freddie Mac) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HomeReady Mortgage (Fannie Mae) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HUD $100 Down Program | FHA-Financed HUD REO Purchase | Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs. | No | View → |
| USDA Rural Development Loans | Government-Guaranteed Mortgage | 100% financing (no down payment required); loan amount up to appraised value | No | View → |
| VA Loans | Government-Guaranteed Mortgage | No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026) | No | View → |
- Type:
- Government-Insured Mortgage
- Amount:
- Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)
- First-time only:
- No
- Type:
- Government Property Sale Program
- Amount:
- 50% discount off the list price of HUD-owned homes
- First-time only:
- Yes
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- FHA-Financed HUD REO Purchase
- Amount:
- Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- 100% financing (no down payment required); loan amount up to appraised value
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)
- First-time only:
- No
Nonprofit Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Habitat for Humanity Snohomish County Homeownership Program | Zero-Interest Loan | Below-market home sale with zero-percent or low-interest affordable mortgage. Effective subsidy typically tens of thousands of dollars. | Yes | View → |
| Homes and Hope Community Land Trust Homeownership | Grant | Below-market home purchase through permanently affordable community land trust model; subsidy value varies by property. | Yes | View → |
| Sam Smith Hi Neighbor Homeownership Fund | Deferred Loan | Up to $20,000 | No | View → |
- Type:
- Zero-Interest Loan
- Amount:
- Below-market home sale with zero-percent or low-interest affordable mortgage. Effective subsidy typically tens of thousands of dollars.
- First-time only:
- Yes
- Type:
- Grant
- Amount:
- Below-market home purchase through permanently affordable community land trust model; subsidy value varies by property.
- First-time only:
- Yes
- Type:
- Deferred Loan
- Amount:
- Up to $20,000
- First-time only:
- No
How to Apply
Step 1: Check your eligibility. The Snohomish County DPA Program requires household income at or below 80% of area median income for Snohomish County. State WSHFC programs typically allow income up to $96,000 for Snohomish County buyers under Home Advantage.
Step 2: Complete a HUD-approved homebuyer education course. Free five-hour WSHFC-sponsored seminars are available locally and online at heretohome.org. The course is required for all WSHFC and county DPA programs.
Step 3: Get pre-approved with a WSHFC-participating lender. The state maintains a list of approved lenders who can pair WSHFC first mortgages with Home Advantage DPA, Opportunity DPA, or Veterans DPA, plus the Snohomish County DPA second mortgage.
Step 4: Apply for the Snohomish County DPA Program through Snohomish County Human Services. The county processes applications, verifies income, and coordinates funding delivery at closing.
Step 5: Find a home within Marysville (or elsewhere in Snohomish County). Most Marysville homes near or below the local median will fall within WSHFC purchase price caps.
Step 6: Submit your offer with lender pre-approval and DPA commitment letter in hand. Coordinate the first mortgage and DPA second mortgage through your lender.
Step 7: Close the home. The county DPA second mortgage and any state DPA second mortgages are recorded at closing, and funds are delivered to escrow. Most are deferred or forgivable, so there is no monthly payment on the DPA portion as long as you remain in the home.
Frequently Asked Questions
How much down payment assistance can I get in Marysville?+−
Do I have to be a first-time homebuyer?+−
What is the maximum home price in Marysville?+−
What homebuyer education is required?+−
How does Habitat for Humanity Snohomish County work?+−
Can I combine the Snohomish County DPA with state programs?+−
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