Help to buy in Washington
Home-buying assistance programs in Washington
4 official programs for down payment and closing cost help in Washington, from Washington State Housing Finance Commission. We show what each program says on its own page, with the date we checked it.
Key numbers in Washington
- Verified programs
- 4
- from Washington State Housing Finance Commission
- First-time buyers only
- 3
- 1 does not require it or its page does not say
- Accept an ITIN
- 0
- per their own site · no: 0 · unconfirmed: 4
- Last checked
- November 5, 2026
- against each program’s official page
How to read the list
Not all help is the same
Amounts, limits and funding change: confirm with a participating lender.
Before you compare amounts, look at the kind of help: it changes what you pay later. These are the kinds the programs on this page use.
On ITIN, each card says what the program itself publishes: yes, no, or not confirmed on its site.
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Deferred
Second loan with no payments until you sell or refinance
The full list
Programs in Washington
Filter by who qualifies, by ITIN or by kind of help. Each card quotes the source and the date we checked it.
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Washington state commission 0% second mortgage for 3%, 4% or 5% of the first mortgage, with no monthly payments; you do not need to be a first-time buyer
What it gives, per the source
Offers 3%, 4%, or 5% of the first-mortgage loan amount in downpayment assistance at 0% interest. … No monthly payments required (just payment on your mortgage).
- First-time buyer?
- No first-time requirement
- Accepts ITIN?
- Its site does not confirm
Run by Washington State Housing Finance Commission
Verified November 5, 2026
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- Deferred
Washington state commission loan with no monthly payments of up to 20% of the price (maximum $150,000) plus closing costs, for first-time buyers whose family lived in Washington before 1968 and belonged to a group affected by housing discrimination, including Hispanic people
What it gives, per the source
All our downpayment assistant programs are provided as payment-deferred loans, and all must be paired with one of our first-mortgage programs (Home Advantage or House Key Opportunity). … Offers a downpayment assistance loan of up to 20% of the cost of the home — up to $150,000 — plus closing costs
- First-time buyer?
- First-time buyers only
- Accepts ITIN?
- Its site does not confirm
Run by Washington State Housing Finance Commission
Verified November 5, 2026
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- Deferred
Washington state commission loan of up to $15,000 at 1% simple interest, with no monthly payments, for the down payment and closing costs of first-time buyers with the House Key Opportunity mortgage
What it gives, per the source
Offers up to $15,000 in downpayment assistance at 1% simple interest … No monthly payments required (just payment on your mortgage). … Funds may be used for downpayment and closing costs.
- First-time buyer?
- First-time buyers only
- Accepts ITIN?
- Its site does not confirm
Run by Washington State Housing Finance Commission
Verified November 5, 2026
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- Deferred
Washington state commission loan of up to $15,000, with no monthly payments, for the down payment and closing costs of buyers who have a disability or live with a family member with a disability
What it gives, per the source
All our downpayment assistant programs are provided as payment-deferred loans … Offers up to $15,000 for buyers with a disability or disabled family member living with them. … Funds may be used for downpayment and closing costs.
- First-time buyer?
- First-time buyers only
- Accepts ITIN?
- Its site does not confirm
Run by Washington State Housing Finance Commission
Verified November 5, 2026
No program matches your search.
Help to repair your home
Repair programs in Washington
One program we checked in Washington to repair your home or make it more efficient, with what its page says.
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Weatherization Program
Run by Washington State Department of Commerce
Washington weatherization program: upgrades that cut energy use in low-income homes, through local agencies
Your county
Price and income limits depend on the county. Your county page has the typical value, the FHA limit and the counseling agencies that can walk you through the application.
Frequently asked questions
What is down payment assistance?
Money from a public or nonprofit program for the down payment or closing costs. It can be a grant you never repay, a second loan forgiven if you stay in the home for some years, a second loan repaid when you sell or refinance, or a tax credit (MCC) that lowers your federal taxes.
Do I need to be a first-time buyer in Washington?
Of the 4 programs on this page, 3 require it; the rest do not, or their page does not say. In general, “first-time buyer” means not having owned a home in the last three years.
Can I use these programs with an ITIN?
What each program’s own site says: accept an ITIN, 0; do not accept one, 0; not confirmed on its site, 4. Ask the participating lender directly before you start, and ask for it in writing.