Washington · Deferred loan

WSHFC Home Advantage Needs-Based

$10,000

Up to $10,000 for lower-income buyers. Deferred second mortgage paired with Home Advantage first.

WSHFC's House Key Opportunity program provides DPA for buyers with disabilities. The program addresses the compound barriers that disabled buyers face: limited income, accessibility requirements, and modification costs.

Amount$10,000
TypeDeferred loan
Available inWashington
First-time buyer requiredYes
Minimum credit score620
Multi-unit eligibleYes — 1-4 units

House-hack eligible

Income-targeted — if you qualify, this covers most FHA down payments in WA markets outside Seattle.

Programs that pair with this

FHA Loan Saves ~$33,000 on a $200K home vs 20% down
Federal · Subsidized loan
VA Loan $0 down + no monthly mortgage insurance
Federal · Federal benefit
NACA Program $0 down + $0 closing + $0 PMI + below-market rate
National · Nonprofit program
WSHFC Home Advantage DPA 3-5% of loan amount, deferred
Washington · Deferred loan
WSHFC House Key Opportunity DPA $15,000
Washington · Deferred loan
WSHFC Veterans DPA $10,000
Washington · Deferred loan
All Washington programs →

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We'll show you how to combine WSHFC Home Advantage Needs-Based with other programs to maximize your free money — personalized to your ZIP code and income.

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