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Down Payment Assistance Programs for Washington Home Buyers

The Washington State Housing Finance Commision (WSHFC) offers down payment assistance programs to help lower the barrier for homebuyers who are saving for a down payment to buy a home. Programs like Covenant Homeownership DPA, Home Advantage DPA, and HomeChoice are available statewide, while programs like ARCH East King County are only available for certain counties. 

Home buyers who qualify receive an amount to go towards the down payment for a home purchase. This amount varies by program, but $10,000 is the average amount for a typical Washington home buyer.

From average home prices to down payment assistance programs, Washington offers a variety of resources to help make homeownership more affordable for you.

Here's what you need to know to get started if you’re looking at buying in the Evergreen State.

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Washington Home Buyer Key Takeaways:

Average Home Prices in Washington

The average home sale price for a single-family home in Washington was $560,000 in February 2025.

  • Average home sale price in Seattle was $799,000 in Jan 2025
  • Average home sale price in Spokane was $350,000 in Jan 2025
  • Average home sale price in Tacoma was $477,500 in Jan 2025

Average Home Size in Washington

The average size for a single-family home in Washington is 1,923 square feet.

  • The average home size in Seattle is 1,923 square feet.
  • The average home size in Spokane is 2,320 square feet.
  • The average home size in Tacoma is 1,542 square feet.

Washington State Taxes

Washington doesn’t have a state income tax. This means you won’t have to pay taxes on income earned in or from Washington state, so you can pocket more money from each paycheck!

Churchill Mortgage is an approved lender for these down payment assistance programs. Contact us today to see if you qualify.

Find out how much house you can afford in Washington!

Recommended
Monthly Payment:
$750.00

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$750.00
$1050
$1350

Affordable Home Prices With Your Recommended Payment

$107,844.08 house with $9,804.01 down. (10%)

$117,648.09 house with $19,608.02 down. (20%)

$127,452.10 house with $29,412.02 down. (30%)

These examples use the loan term provided and assume a fixed-rate mortgage with an interest rate of 6%.

This calculator is being provided for educational purposes only. The provided values for interest rates are examples only and do not reflect Churchill Mortgage Product terms & offers. The results are estimates that are based on information you provided and may not reflect Churchill Mortgage Product terms. The information cannot be used by Churchill Mortgage to determine a customer's eligibility for a specific product or service. All financial calculators are provided by a third-party and are not controlled by or under the control of Churchill Mortgage. Churchill Mortgage is not responsible for the content, results, or the accuracy of information.

These calculations are hypothetical examples designed to for illustration purposes only. Consult a Home Loan Specialist for more specific information regarding payments, terms, etc.

Down Payment Assistance Programs for Washington Home Buyers

Home Advantage DPA
Up to 3% or 4% of the first mortgage total or gross loan amount for borrowers using our Home Advantage Gov’t or Conventional loan programs or up to 5% using Home Advantage conventional or FHA.

Home Advantage DPA Needs Based Option
Up to $10,000, for borrowers using our Home Advantage loan and under certain income limits.

Opportunity DPA
Up to $15,000, for borrowers using our House Key Opportunity loan.

Veterans
Up to $10,000 for military veterans who have served our country.

HomeChoice
Up to $15,000 for buyers with a disability or disabled family member living with them.

Covenant Homeownership DPA
Up to 20% down of the purchase price or appraised value, whichever is less, not to exceed $150,000, plus applicable and customary closing costs paid by homebuyer, using the Covenant, Home Advantage or House Key first mortgage programs.

ARCH East King County
Up to $30,000 for buyers within an ARCH member city or area (east King County).

Bellingham
Up to $40,000 for people buying within the city limits of Bellingham.

Frequently Asked Questions

Check our FAQ for responses to our most popular questions from Washington Home Buyers.

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How Do I Get Down Payment Assitance?

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How Much Assistance Can I Get?

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How Can I Qualify for Down Payment Assistance?

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Which Program is right for me?

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Who offers DPA programs in Washington?

Down payment assistance programs are offered by the Washington State Housing Finance Commission (WSHFC).

Washington State Housing Finance Commission

Website:

https://www.wshfc.org/

Phone:

206-464-7139 or 800-767-4663

Address:

1000 2nd Avenue, Suite 2700, Seattle, Washington 98104

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Reviews from Washington Buyers!

★ ★ ★ ★ ★

"We just bought our first home here in Washington, and honestly, we were nervous going in—but our lender made it feel so simple and stress-free. They answered every question with patience and made us feel totally taken care of. So grateful!."

Timothy B.
Spokane, WA
★ ★ ★ ★ ★

"From the first call to the final closing day, the team was incredible. Buying a home in Washington could’ve been overwhelming, but they walked us through everything with so much care. Truly felt like they were in our corner the whole way."

Joseph B.
Tacoma, WA
★ ★ ★ ★ ★

"We just moved into our new place in Washington, and I can’t thank our mortgage team enough. They were kind, fast, and genuinely cared about helping us get the best deal. It felt more like working with a friend than a lender."

Sue F.
Seattle, WA

4.9 / 5

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Top Rated Mortgage Lender

Over 100,000+ reviews from Homeowners!

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Read More Reviews on Google!

Washington Branch Locations

Churchill Mortgage is an approved lender for these down payment assistance programs. Contact us today to see if you qualify.

Auburn, WA

 (425) 516-7821

 Visit the Branch Website

 Auburn, WA 98092

 

Kennewick, WA

 509-420-0866

 Visit the Branch Website

 8109 W Grandridge Blvd Suite 120 Kennewick, Washington 99336 99336

 

Kennewick, WA

 (509) 862-5444

 Visit the Branch Website

 8109 W Grandridge Blvd, Suite 120, Kennewick, WA 99336

Renton, WA

 206-403-0146

 Visit the Branch Website

 1285 Storm King Way SW Ocean Shores, Washington 98569 98569

 

Renton, WA

 206-650-0684

 Visit the Team Website

 Available by appointment only

Churchill Loan Officers in Washington

Jamie Dunn headshot

Jamie Dunn

Sr. Home Loan Specialist | NMLS ID: 1549693

Office  :

509-525-2211

Email Jamie Dunn Submit an Application View my Calendar

8109 W Grandridge Blvd, Suite 120, Kennewick, WA 99336-7166

Proudly Serving: Arizona, Florida, Nebraska, Oregon, Tennessee, Washington, Idaho

Jamie Michelle Dunn NMLS ID: 1549693; Company NMLS ID: 1591 (www.nmlsconsumeraccess.org): AZ BK# 0926494; Branch ID: 1845123; AZ-1019381; FL-LO69157; GA-1549693, under company license GA-23146; ID-MLO-2081549693; NE-Mortgage Loan Originator License; OR- Mortgage Loan Originator License; TN-215884; WA-MLO-1549693; 8109 W Grandridge Blvd, Suite 120, Kennewick, WA 99336-7166; Churchill Mortgage Corporation

Company NMLS ID: 1591; (www.nmlsconsumeraccess.org)

Kim Ray headshot

Kim Ray

Home Loan Specialist | NMLS ID: 1314698

Office  :

425-233-8965

Mobile:

206-403-0146

Email Kim Ray Submit an Application

1285 Storm King Way SW Ocean Shores, WA 98569

Proudly Serving: Arizona, Oregon, Washington, Alaska

Kimberly Gaye Ray NMLS ID: 1314698; Company NMLS ID: 1591 (www.nmlsconsumeraccess.org): AZ BK# 0926494; Branch ID: 2646298; AK-AKMLO-1314698; AZ-LO-1029450; OR- Mortgage Loan Originator License; WA-MLO-1314698; 1285 Storm King Way SW, Ocean Shores, WA 98569; Churchill Mortgage Corporation

Company NMLS ID: 1591; (www.nmlsconsumeraccess.org)

Jordan Del Palacio headshot

Jordan Del Palacio

Home Loan Specialist | NMLS ID: 840396

Office  :

425-516-7821

Mobile:

(425) 766-5147

Email Jordan Del Palacio Submit an Application

3597 East Monarch Sky Ln Suite 245Meridian, ID 83646

Proudly Serving: Washington, Montana, Idaho, Oregon

Jordan Matthew Del Palacio NMLS ID: 840396; Company NMLS ID: 1591 (www.nmlsconsumeraccess.org); Branch ID: 1732568; ID-MLO-2080840396; MT-840396; OR- Mortgage Loan Originator License; WA-MLO-840396; 6307 Stuart Place SE, Auburn, WA 98092, Churchill Mortgage Corporation

Company NMLS ID: 1591; (www.nmlsconsumeraccess.org)

Sandi Green headshot

Sandi Green

Home Loan Specialist | NMLS ID: 177389

Office  :

425-516-7821

Mobile:

206-679-4817

Email Sandi Green Submit an Application View my Calendar

Auburn, WA 98092

Proudly Serving: Washington, Montana, Tennessee, Idaho, Kansas, South Carolina, Arkansas, Oregon

Sandra Anne Green NMLS ID: 177389; Company NMLS ID: 1591 (www.nmlsconsumeraccess.org); Branch ID: 1732568; AR-Mortgage Loan Officer License; ID-MLO-2080177389; KS-LO.0050531, Kansas Licensed Mortgage Company; MO-177389, Churchill Mortgage, Missouri Branch located at 2300 MAIN ST STE 900, Kansas City, MO 64108-2408; MT-177389; OR- Mortgage Loan Originator License; SC-MLO - 177389; TN-177389; WA-MLO-78590; 6307 Stuart Place SE, Auburn, WA 98092, Churchill Mortgage Corporation of TN; All other states, Churchill Mortgage Corporation

Company NMLS ID: 1591; (www.nmlsconsumeraccess.org)

Katie Tobler headshot

Katie Tobler

Home Loan Specialist | NMLS ID: 2097952

Office  :

(509) 931-0503

Email Katie Tobler Submit an Application

8109 W Grandridge Blvd, Suite 120, Kennewick, WA 99336

Proudly Serving: Washington, Oregon

Katherine Jane Tobler NMLS ID: 2097952; Company NMLS ID: 1591 (www.nmlsconsumeraccess.org): Branch ID: 1845123; ID-MLO-2082097952; OR- Mortgage Loan Originator License; WA-MLO-2097952; 8109 W Grandridge Blvd, Suite 120, Kennewick, WA 99336-7166; Churchill Mortgage Corporation

Company NMLS ID: 1591; (www.nmlsconsumeraccess.org)

Joseph McCollum headshot

Joseph McCollum

Home Loan Specialist | NMLS ID: 2081571

Office  :

(509) 295-8380

Email Joseph McCollum Submit an Application

8109 W Grandridge Blvd, Kennewick WA 99336-7166

Proudly Serving: Washington

Joseph Brandon McCollum NMLS ID: 2081571; Company NMLS ID: 1591 (www.nmlsconsumeraccess.org): Branch ID: 1845123; WA-MLO-2081571; 8109 W Grandridge Blvd, Suite 120, Kennewick, WA 99336-7166; Churchill Mortgage Corporation

Company NMLS ID: 1591; (www.nmlsconsumeraccess.org)

Christina McCollum headshot

Christina McCollum

Producing Market Leader | NMLS ID: 1398321

Office  :

509-862-5444

Mobile:

360-689-3265

Email Christina McCollum Submit an Application View my Calendar

8109 W Grandridge Blvd, Suite 120, Kennewick WA 99336-7166

Proudly Serving: Alabama, Arizona, California, Florida, Idaho, Montana, North Carolina, Nebraska, Oregon, Tennessee, Washington, Texas, Illinois, Georgia, Massachusetts, Wisconsin, South Carolina, Michigan

Christina Rose McCollum NMLS ID: 1398321; Company NMLS ID: 1591 (www.nmlsconsumeraccess.org): AK-AK1398321; AZ BK# 0926494; Branch ID: 1845123; AL-79059; AZ-0951625; CA-CA-DBO1398321, Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, under Churchill Mortgage Corporation, which will do business in California as Churchill Mortgage Home Loans; 437 S Cataract Ave Unit 1-2, San Dimas, CA 91773-2973; FL-LO66800; GA-1398321, under company license GA-23146; ID-MLO-2081398321; IL-031.0077681, Illinois Residential Mortgage Licensee, Illinois Department of Financial and Professional Regulation (IDFPR), Division of Banking, Bureau of Residential Finance, 555 West Monroe Street, 5th Floor, Chicago, Illinois 60661, All Inquiries: 1-888-473-4858, TYY: 1-866-325-4949, Website: https://idfpr.illinois.gov; MA-MLO1398321; MI-1398321; MO-1398321, Churchill Mortgage, Missouri Branch located at 2300 MAIN ST STE 900, Kansas City, MO 64108-2408; MT-1398321; NC-I-195778; NE-Mortgage Loan Originator License; OR- Mortgage Loan Originator License; SC-MLO - 1398321; TN-215623; TX-Mortgage Loan Originator; WA-MLO-1398321; WI-1398321; 8109 W Grandridge Blvd, Suite 120, Kennewick, WA 99336-7166; All other states, Churchill Mortgage Corporation; For licensing information go to: www.nmlsconsumeraccess.org

Company NMLS ID: 1591; (www.nmlsconsumeraccess.org)

Rose Krieger headshot

Rose Krieger

Home Loan Specialist | NMLS ID: 1376145

Office  :

(509) 931-0135

Email Rose Krieger Submit an Application

5105 E 3rd Ave Ste 105, Spokane Valley, WA 99212-0711

Proudly Serving: Washington

Jhangmi Janella Krieger NMLS ID: 1376145; Company NMLS ID: 1591 (www.nmlsconsumeraccess.org): Branch ID: 1845123; WA-MLO-1376145; 8109 W Grandridge Blvd, Suite 120, Kennewick, WA 99336-7166; Churchill Mortgage Corporation

Company NMLS ID: 1591; (www.nmlsconsumeraccess.org)

June Lu headshot

June Lu

Branch Manager | NMLS ID: 366455

Office  :

206-650-0684

Mobile:

206-650-0684

Email June Lu Submit an Application

801 S 3rd Street Unit C Renton, Washington 98057

Proudly Serving: Washington, Texas, California

Melissa June Lu NMLS ID: 366455; Company NMLS ID: 1591 (www.nmlsconsumeraccess.org): AZ BK# 0926494; Branch ID: 2482941; AZ-0950797; CA-CA-DBO366455, Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, under Churchill Mortgage Corporation, which will do business in California as Churchill Mortgage Home Loans; TX-SML Mortgage Loan Originator; WA-MLO-366455; 801 S 3rd Street, Unit C, Renton, WA 98057-2799; All other states, Churchill Mortgage Corporation

Company NMLS ID: 1591; (www.nmlsconsumeraccess.org)

Leanne Truong headshot

Leanne Truong

Home Loan Specialist | NMLS ID: 1287957

Office  :

206-931-3827

Mobile:

206-931-3827

Email Leanne Truong Submit an Application

801 S 3rd Street Unit C Renton, Washington 98057

Proudly Serving: Washington, Texas, Arizona, California

Nga Thi Truong NMLS ID: 1287957; Company NMLS ID: 1591 (www.nmlsconsumeraccess.org): AZ BK# 0926494; Branch ID: 2482941; AZ-0950798; CA-CA-DFPI1287957, Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, under Churchill Mortgage Corporation, which will do business in California as Churchill Mortgage Home Loans; TX-SML Mortgage Loan Originator; WA-MLO-1287957; 801 S 3rd Street, Unit C, Renton, WA 98057-2799; All other states, Churchill Mortgage Corporation

Company NMLS ID: 1591; (www.nmlsconsumeraccess.org)

Conforming and high balance allowed. Cooperative housing not eligible. Not all applicants will qualify. Not a commitment to lend. Other restriction or limitations to any program may apply.

As a responsible lender, Churchill Mortgage is committed to the principles outlined in federal and state lending laws ensuring all potential borrowers have access to the same information, services, and opportunities throughout the home loan process.