WSHFC (Washington State Housing Finance Commission) at wshfc.org provides Home Advantage and House Key Opportunity mortgage programs with DPA for qualifying WA buyers.

What is WSHFC's Home Advantage DPA?

Home Advantage DPA provides a second loan at a low interest rate for down payment. Homebuyer education completion is required. Verify current terms at wshfc.org.

Are Seattle and Eastside conforming or jumbo?

King and Snohomish counties have FHFA high-balance conforming limits, but many Seattle/Eastside purchases still require jumbo financing above those limits. Check current limits at fhfa.gov.

Does Washington state have an income tax?

Washington has no state income tax on wages — a meaningful affordability benefit compared to Oregon and California.

Where can I find a HUD counselor in Washington?

HUD lists approved housing counselors at hud.gov/states/washington.

Mortgages in Washington

Washington state is highly bifurcated: Western Washington (Seattle metro, Bellevue, Eastside) is one of the most expensive markets in the nation. Eastern Washington (Spokane, Tri-Cities, Yakima) is significantly more affordable. King and Snohomish counties regularly exceed FHFA conforming limits.

More Washington guides

Personal Loans in Washington Auto Insurance in Washington Homeowners Insurance in Washington Renters Insurance in Washington Auto Loans in Washington Student Loans in Washington Life Insurance in Washington High-Yield Savings in Washington

Mortgages by state

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