Washington State Housing Finance Commission
State Housing Agency
The Washington State Housing Finance Commission is a publicly accountable, self-supporting team, dedicated to increasing housing access and affordability and to expanding the availability of quality community services for the people of Washington.
First Mortgage Programs Offered by Washington State Housing Finance Commission
WaHFC Home Advantage FHA Loan Program
Best For: First Time Homebuyers, Low Credit Scores, Zero Down
Home Advantage $0 Down FHA DPA
Min. Credit Score
620
Min. Down Payment
3.5%
Max. Loan Amount
No Limits
WaHFC Home Advantage FNMA HFA Preferred
Best For: First Time Homebuyers, Low Credit Scores, Zero Down
Home Advantage $0 Down FHA DPA
Min. Credit Score
620
Min. Down Payment
3%
Max. Loan Amount
No Limits
WaHFC Home Advantage VA Loan Program
Best For: First Time Homebuyers, Low Credit Scores, Zero Down
Home Advantage $0 Down VA DPA
Min. Credit Score
620
Min. Down Payment
0%
Max. Loan Amount
No Limits
WaHFC Home Advantage FHLMC HFA Advantage
Best For: First Time Homebuyers, Low Credit Scores, Zero Down
Home Advantage $0 Down FHLMC DPA
Min. Credit Score
620
Min. Down Payment
3%
Max. Loan Amount
No Limits
WaHFC Home Advantage USDA Loan Program
Best For: First Time Homebuyers, Low Credit Scores, Zero Down
Home Advantage $0 Down USDA DPA
Min. Credit Score
620
Min. Down Payment
0%
Max. Loan Amount
No Limits
WaHFC House Key Opportunity FHA Loan Program
Best For: First Time Homebuyers, Low Credit Scores, Zero Down
House Key Opportunity $0 Down FHA
Min. Credit Score
620
Min. Down Payment
3.5%
Max. Loan Amount
No Limits
WaHFC House Key Opportunity FNMA HFA Preferred
Best For: First Time Homebuyers, Low Credit Scores, Zero Down
House Key Opportunity $0 Down FNMA
Min. Credit Score
620
Min. Down Payment
3%
Max. Loan Amount
No Limits
WaHFC House Key Opportunity FHLMC Advantage
Best For: First Time Homebuyers, Low Credit Scores, Zero Down
House Key Opportunity $0 Down FHLMC
Min. Credit Score
620
Min. Down Payment
3%
Max. Loan Amount
No Limits
WaHFC Home Key Opportunity VA Loan Program
Best For: First Time Homebuyers, Low Credit Scores, Zero Down
Home Key Opportunity VA
Min. Credit Score
580
Min. Down Payment
0%
Max. Loan Amount
No Limits
WaHFC Home Key Opportunity USDA Loan Program
Best For: First Time Homebuyers, Low Credit Scores, Zero Down
Home Key Opportunity USDA
Min. Credit Score
580
Min. Down Payment
0%
Max. Loan Amount
No Limits
Second Mortgage Programs Offered by Washington State Housing Finance Commission
WaHFC Home Advantage Downpayment Assistance
Best For: First Time Homebuyers, Low Down Payments, Zero Down
Home Advantage $0 Down DPA
Min. Credit Score
620
Min. Down Payment
3.5%
Max. Loan Amount
No Limits
Up to 5.00% of 1st Loan Amount Program Benefit Amount
WaHFC HomeChoice DPA Loan Program
Best For: First Time Homebuyers, Zero Down
WAHFC HomeChoice DPA
Min. Credit Score
620
Min. Down Payment
0%
Max. Loan Amount
No Limits
Up to -$1 in Assistance Program Benefit Amount
WaHFC Veterans Downpayment Assistance
Best For: First Time Homebuyers, Low Down Payments, Zero Down
Veterans $0 Down DPA
Min. Credit Score
620
Min. Down Payment
3.5%
Max. Loan Amount
No Limits
Up to 5.00% of 1st Loan Amount Program Benefit Amount
See If You Qualify for Washington State Housing Finance Commission Loans
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