Downpayment Assistance Programs
Our partners use Office of Housing funds in their programs to create affordable homeownership opportunities in Seattle.
Through these programs, lower-income households are often able to buy their own homes.
See the Eligibility page for program eligibility and property selection criteria. More information also can be found in our printable downpayment assistance brochure.
These programs use Office of Housing funds to help you buy a home in Seattle:
The descriptions below provide general information about the programs. For full details about the programs and questions about how to apply, contact each program directly.
Habitat for Humanity
Habitat of Seattle/South King County builds decent, affordable homes for families in need. Homeowners invest hundreds of hours of their own labor – sweat equity – into building their Habitat house and they pay a no-profit, no-interest mortgage.
How to apply to Habitat for Humanity: The process of homeownership through Habitat for Humanity begins with potential homeowner orientations. These orientations are scheduled once each year. Send an e-mail to Habitat for more information on their application process and notification of the next orientation dates.
HomeSight is a nonprofit community development corporation that promotes affordable homeownership opportunities through homebuyer education and financial planning, buyer purchase assistance loan underwriting and origination, and new home construction. Through private and public partnerships, HomeSight provides purchase assistance to qualified first-time homebuyers in the form of a low interest loan, and potential borrowers may access up to $70,000 in downpayment assistance.
How to apply to HomeSight: Complete HomeSight’s introductory class, "The American Dream: Is Homeownership For You?", then meet with a HomeSight counselor to do a personal Financial Assessment. For the introductory class schedule and to register, visit HomeSight or call (206) 723-4355.
Homestead Community Land Trust
Homestead Community Land Trust (HCLT) is a membership-based, nonprofit community housing development organization that creates affordable homeownership opportunities by removing the cost of land from the cost of buying a home, and protects the affordability of those homes permanently for future generations of Seattleites. Through the HCLT “Advantage” program, your household may receive up to $100,000 at 0% interest and no repayments to help pay for a home, in exchange for keeping the home affordable at resale to the next income-qualified buyer.
How to apply to HCLT: Read more about HCLT Advantage and the community land trust model and then sign up for an orientation by calling (206) 323-1227.
HomeTown Home Loan Program from HomeStreet Bank
The Hometown Home Loan Program is a partnership between the City of Seattle and HomeStreet Bank. Participating employers, City of Seattle, University of Washington, Fred Hutchinson, Seattle Cancer Care Alliance, and other organizations, offer their employees access to free homeownership education, savings on purchases & refinances, and access to downpayment assistance programs.
For more information and a complete list of participating employers: Please email the HomeStreet Affinity Lending Center or call (206) 628–0207.
House Key Plus Seattle from the Washington State Housing Finance Commission
House Key Plus Seattle provides downpayment assistance in the form of a low-interest loan, and must be combined with the House Key State Bond below-market interest rate first mortgage for first-time homebuyers. Qualified buyers may receive up to $60,000 in downpayment assistance.
Visit the website for more information about House Key Plus Seattle loans or call (800) 767-4663.
Parkview Services is a King County based non-profit organization that supports people with developmental disabilities and their families. Parkview's Homeownership Program offers home buying assistance to individuals with developmental disabilities and family members who will live with them. Qualified households may receive up to $127,500 in purchase assistance.
To get started e-mail Parkview, phone Marc Coté at (206) 334-0731, or leave a message on Parkview’s voicemail line at (206) 529-4114. Please provide your name, phone, and the best time to return your call.
Seattle Teacher Homebuyer Program
Many teachers would like to live in the same community where they work. The City of Seattle is excited to help our teachers in the path toward home ownership by providing up to $45,000 in additional financing for eligible teachers' first home purchase. Evergreen Home Loans, the Office of Housing’s lending partner for the Teacher Homebuyer Program, will also waive lender fees and discount closing costs. See more . . .
Questions for the Office of Housing?
If you have questions about any of the City of Seattle homebuyer assistance
programs, contact our reception desk at (206) 684-0721.