Washington First-Time Home Buyer Programs 2026
Up to 4% DPA available through Washington State Housing Finance Commission (WSHFC). WSHFC Home Advantage offers up to 4% DPA at 0% — deferred until sale or refi.
Max Assistance
Up to 4% DPA
Type
0% deferred loan
Min Credit
620+
Max Home Price
$700,000
Ready to apply for Washington assistance?
Get pre-approved in minutes — your lender will connect you with WSHFC programs automatically.
Washington First-Time Buyer Programs Comparison
| Program | Max Assistance | Type | Min Credit | Income Limit |
|---|---|---|---|---|
| WSHFC Home Advantage Best statewide program | Up to 4% of loan | 0% deferred loan | 620+ | $97K–$175K |
| WSHFC House Key Opportunity Lower income buyers | Up to 5% of loan | 0% deferred | 620+ | Lower income |
Eligibility Requirements
- ✓620+ credit score
- ✓Income within WSHFC limits by county
- ✓Homebuyer education required
- ✓Primary residence in Washington
Pro Tip
Available statewide: Seattle, Spokane, Tacoma, Vancouver, Bellevue.
How to Apply for Washington Programs
Get Pre-Approved
Work with a WSHFC-approved lender. They handle the state program paperwork for you.
Complete Education
Take the required homebuyer education course (online, ~6 hours, ~$75). Required by most state programs.
Close & Get Funds
The 0% deferred loan is applied at closing — you don't pay extra at the table.
Official Agency
Washington State Housing Finance Commission
WSHFC — Washington official housing finance authority
Frequently Asked Questions
What is the best first-time home buyer program in Washington?
The best program in Washington is the WSHFC Home Advantage, which offers Up to 4% of loan as a 0% deferred loan. Minimum credit score: 620. Income limit: $97K–$175K.
How much down payment assistance is available in Washington?
Washington offers up to Up to 4% DPA through Washington State Housing Finance Commission (WSHFC). The assistance is structured as a 0% deferred loan. Income limits are $97,000–$175,000 depending on household size and county.
What credit score do I need for Washington first-time buyer programs?
Most Washington programs through WSHFC require a minimum credit score of 620. Some programs may accept lower scores with compensating factors. Check with an WSHFC-approved lender for your exact score requirements.
What is the income limit for Washington first-time buyer programs in 2026?
In 2026, Washington income limits are $97,000–$175,000 depending on household size and county. The home price limit is $700,000. These limits are set by Washington State Housing Finance Commission.
Don't Leave Up to 4% DPA on the Table
Pre-approval is free. Your lender will apply for WSHFC programs automatically — no extra work for you.
Start My Free Pre-Approval →