Washington State Housing Finance Commission Home Advantage

Washington State Housing Finance Commission

Available Down Payment

About This Program

State-sponsored mortgage program offering down payment assistance and competitive interest rates for first-time homebuyers in Washington. Income limits apply based on county median income.

Typical down payment assistance estimate for first-time buyers

Official source site checked live on 2026-06-17.

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Down payment assistance for first-time homebuyers
  • Competitive interest rates on mortgages
  • Income limits apply based on county AMI
  • Must use approved lender
  • Available statewide including Ferndale

How to Apply

A grant-savvy contractor in Ferndale, WA can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • The program's own application form, completed (use the official link or phone number on this page).

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Ongoing, subject to funding availability

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

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