Every state has down payment or homeownership assistance programs; some states have both. The programs are designed to provide affordable housing opportunities to homebuyers who might not ordinarily be able to afford a house.
Each program can have their own income and eligibility requirements but primarily the programs are available for first-time homebuyers or low-income families.
Keep in mind if you had no ownership in a principal residence in the previous 3 years, you are also considered a first-time homebuyer even if you owned a home prior to that 3-year period.
The programs are not usually administered directly through the State. Instead, they are nonprofit based and handled through a third party agency. The list below will start you on your search but be sure to confirm the program is currently available.
Community Contacts – find out if your community offers HUD-funded down-payment or closing cost help”
Washington State Housing Finance Commission (WSHFC) – homebuyer programs, including downpayment and closing cost assistance
Habitat for Humanity – through volunteer labor, builds and rehabilitates houses for families in need
USDA Rural Development Office – homebuyer programs in rural communities
National Foundation for Credit Counseling – get help with budgeting, debt management and credit issues
Washington Homeownership Center – free information and referral service. Call their Homeownership Hotline 1 (877) 894-HOME (4663)
Washington State Community Action Partners – listed by county, offering various services including homebuyer education and/or downpayment assistance
Bellevue/East King County
Community Housing Resource Center – Vancouver and SW Washington
El Centro de la Raza Homeownership Center – Housing counseling, financial literacy, debt and credit management. Classes in English and Spanish.
HomeSight (Seattle, South King and Snohomish Counties)
Kitsap County Consolidated Housing Authority
Pierce County Housing Programs
Benton/Franklin/Walla Walla – Consumer Credit Counseling Service of Tri-Cities
Benton/Franklin – Benton Franklin Community Action Committee
Columbia/Garfield/Walla Walla – Blue Mountain Action Council
Community Frameworks – Self-Help Homeownership Opportunity Program
Ferry/Pend Oreille/Stevens – Rural Resources Community Action
Pasco – Community & Economic Development Dept. (509) 545-3441
Richland, City of
Spokane, City of
Spokane Neighborhood Action Programs
Whitman – Community Action Center